Seguro de Responsabilidad Civil y Autoseguro en Agencias Locales

Explicación Simple

Las agencias locales pueden comprar seguros para protegerse y a sus empleados de problemas legales mientras trabajan. También pueden trabajar juntas para ahorrar en seguros y manejar riesgos de manera más efectiva.

Es como cuando un grupo de amigos decide juntar dinero para comprar un seguro de viaje. Así, si algo sale mal, todos comparten el costo y están más protegidos.

Ejemplo Práctico

Imagina que el Ayuntamiento de Springfield, dirigido por la Sra. López, decide comprar un seguro para proteger a sus empleados en caso de accidentes. Además, se junta con otros dos municipios cercanos para conseguir un mejor precio y administrar un programa de seguros conjunto que beneficie a todos.

Texto Original del Estatuto (Inglés)

42 Pa.C.S. 8564 - Liability Insurance And Self-insurance (a) Purchase of liability insurance.--A local agency may purchase insurance on itself or its employees for any liability arising from the performance of their duties within the scope of their employment. (b) Employment of risk manager.--A local agency may employ a professional risk manager whose responsibility it shall be to administer a public liability insurance program for the local agency and initiate any risk management program for the local agency and its employees. (c) Joint action by local agency.--Any two or more local agencies may join together, enter into any agreements or jointly contract for the development of a group risk management program either through the provisions of the act of July 12, 1972 (P.L.762, No.180), referred to as the Intergovernmental Cooperation Law, or any other applicable statute. Any two or more local agencies may join together, enter into any agreements or jointly contract for the purchasing of public liability insurance. Any two or more local agencies may pool their public liability insurance risks through the provisions of the act of July 12, 1972 (P.L.762, No.180) or any other applicable statute. (d) Insurance pooling and coinsurance.--The pooling of insurance risks, reserves, claims or losses shall not be construed to be transacting insurance nor otherwise subject local agencies to the provisions of statutes regulating insurance or insurance companies. Local agencies may be coinsured under a master policy and the total premium may be prorated among the local agencies. Any county may undertake a group risk management program or public liability insurance program on behalf of itself and any other local agencies covered by this subchapter within the county that wish to volunta