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Insurance

Insurance
Title Major Revision Previous Schedules Schedule Item
Insurance (including self-insurance) case records, except

workers' compensation case record, including but not limited to notice of claim, copies of filed court documents, accident reports, medical reports, motor vehicle reports, appraisal report, copy of check, correspondence, and other supporting documentation:
RETENTION: 6 years after claim closed, but not until any minor reaches age 21, whichever is later
NOTES: The local government may wish to retain the records longer for convenience of reference. Proof of liability insurance coverage must be retained longer to cover claims relating to exposure to asbestos and other toxic substances. For insurance claims relating to exposure to asbestos and other toxic substances and maintained as part of an employer's medical program. Consult your counsel or attorney to ensure that insurance policies and other appropriate documentation are retained as long as needed.

 CO2 325; MU1 296; ED1 150; MI1 246 576
Workers' compensation case records (including Volunteer Firefighters Benefit Law)


2020 (♦)
 CO2 326; MU1 297; ED1 151; MI1 247 577

a: If claim allowed:
RETENTION: 18 years after injury or illness, but not less than 8 years after last payment

b: If claim disallowed after trial, or case otherwise disposed of without an award after the parties have been given due notice:
RETENTION: 7 years after injury or illness except the employee injury record must be retained for 18 years after date of accident or injury
NOTES: The employee injury record must be retained for 18 years after date of accident or injury, as required by Section 110, Workers' Compensation Law, even for disallowed claims. See item no. 660 in the Personnel/Civil Service section.

c: Financial records, including checks or payment confirmation notices:
RETENTION: 6 years after payment
Master summary record

(log or register), of all (including workers' compensation) claims:
RETENTION: 0 after all claims and/or cases listed in master summary record have been disposed of

 CO2 327; MU1 298; ED1 152; MI1 248 578
Insurance policy,

including but not limited to those covering fire, theft, property damage, personal injury liability, general liability, automobile, cyber liability, insurance of life or property, when no outstanding claims are involved:
RETENTION: 6 years after expiration

 2020 (♦)
 CO2 328; MU1 299; ED1 153; MI1 249 579
Workers' compensation and employer's liability insurance policy,

when no outstanding claims are involved:
RETENTION: 18 years after expiration

 CO2 330; MU1 300; ED1 154; MI1 250 580
Title insurance policy,

when no outstanding claims are involved:
RETENTION: 20 years after expiration

 CO2 331; MU1 301; ED1 155; MI1 251 581
Waiver of liability or certificate of insurance 

certifying as to name of insured, type of insurance, limits of liability, date of expiration and policy number, when no outstanding claim is involved, except a certificate of insurance certifying as to a security bond or undertaking:
RETENTION: 6 years after expiration
NOTES: For the exceptions mentioned above, see item no. 655 in the Personnel/Civil Service section, item no. 116 in the Building and Property Regulation section, item no. 479 in the Fiscal section, item no. 457 in the Environmental Health section and item no. 806 in the Public Property and Equipment section.

 2020 (♦)
 CO2 329; MU1 302; ED1 156; MI1 252 582
Insurance appraisal and/or survey:


RETENTION: 0 after superseded or obsolete

 CO2 332; MU1 303; ED1 157; MI1 253 583