Coverage Bulletins

The MEL through its affiliated JIFs provides comprehensive coverage, including property, automobile, general liability, workers compensation, public officials liability and employment practices liability. Coverage terms are outlined in the “Coverage Manual” that is distributed to each member annually.

Coverage questions may be addressed to local risk managers or to the MEL’s Underwriting Manager, Joseph Hrubash at 973-659-6577 or This email address is being protected from spambots. You need JavaScript enabled to view it. .

Certificates of Insurance, Automobile Insurance ID cards and Workers Compensation Posting Notices can be requested from This email address is being protected from spambots. You need JavaScript enabled to view it. or faxing a request to 732-736-5274.

Coverage bulletins addressing frequently asked questions are periodically issued by the MEL. Click below for downloadable versions of these bulletins.

2013 Downloadable Bulletins

• 13-01 2013 MEL Coverage Bulletins
• 13-02 Excess and Reinsurance Property and Causalty Renewal Overview
• 13-03 Excess Property/Boiler and Machinery
• 13-04 Excess Workers Compensation
• 13-05 Excess Liability and Excess Public Officials/Employment Liability
• 13-06 Non-Owned Aircraft Liability
• 13-07 New Legislation Blanket Bonds
• 13-07A Member JIF Blanket Bond Coverage
• 13-07B MEL Excess Crime Coverage including Statutory Positions
• 13-08 Fireworks Displays/Amusement Ride Requirements
• 13-09 Skateboard Facilities Guidelines and Coverage Requirements
• 13-10 Vacant/Unoccupied, Rehabilitations, Builders Risk, Newly Acquired Reporting Requirements
• 13-11 Boiler & Machinery Inspections
• 13-12 Procedure for requesting Certificates of Insurance, Automobile ID Cards and Workers Compensation Posting Notices
• 13-13 Director & Officers Liability for Fire Company/Emergency Services Units - Optional Coverage Available
• 13-14 Quasi Entity - Optional Coverage Available
• 13-15 2012-13 Employment Practices Liability (EPL) Program
• 13-15 2012-13 Employment Practices Liability (EPL) Program NJPHA
• 13-16 Excess Liability - Optional Limits Available
• 13-17 Excess POL/EPL - Optional Limits Available
• 13-18 Employed Attorney (Full Time only) - Optional Professional Liability Coverage
• 13-19 Business Improvement/Special Improvement Districts and District Management Corporation - Optional Coverage Available
• 13-19 Business Improvement/Special Improvement Districts - Atlantic JIF only
• 13-20 TULIP Program - Optional Tenant and Users Liability Insurance Program
• 13-21 Use of Aircraft on Municipal Business - Coverage Restriction Excess Workers Compensation
• 13-22 All Terrain Vehicle Parks - Coverage Restriction Liability
• 13-23 Paintball Liability - Coverage Restriction Liability
• Certificate of Insurance - NJUA JIF only 
• Exposure Change Form