Coverage

Primary Liability Program

• Risk-sharing pool, required for California JPIA members
• Police operations are pooled separately from general member operations
• Limits of $50 million per occurrence, including general and automobile liability
• Includes subsidence coverage, with a $30 million sublimit

Excess Liability Program

• Risk-sharing pool, required for California JPIA members
• Police operations are pooled separately from general member operations
• Limits of $50 million per occurrence, including general and automobile liability

• Optional risk-sharing pool
• Public safety operations are pooled separately from general member operations
• Statutory limits
• Includes employer’s liability of $10,000,000 per occurrence

• Optional all-risk coverage
• Stand-alone replacement value coverage
• Stand-alone mechanical breakdown coverage
• Stand-alone vehicle physical damage coverage
• Stand-alone earthquake and flood coverage

• Optional Program
• $250,000 deductible per occurrence
• $5 million per member per occurrence and aggregate
• $20 million aggregate for all members for the coverage year
• Optional coverage for members to provide $1 million California Financial Assurance for Underground Storage Tanks

• First-party coverage: privacy regulatory claims, security breach response, business income loss, dependent business income loss, digital asset restoration costs, and cyber-extortion threats
• Third-party coverage: privacy liability, network security liability, and multimedia liability
• Members work directly with the reinsurer to investigate and respond to claims
• Incident response hotline

• Optional program
• $1 million per member
• Higher limits available
• Includes any employee required by law to be individually bonded

• Optional liability coverage
• Covers bodily injury and property damage occurring at at-grade vehicle and pedestrian crossings within federally approved railroad quiet zones that are listed on the policy.
• $2 million per occurrence limit with a $2 million aggregate limit per year for all members
• Claims made policy form with a self-insured retention of $100,000 per occurrence
• $100,000 self-insured retention per occurrence

• Optional program
• $1 million per event/instructor
• Includes recreation instructors’ liability, member sponsored events, and community events such as block parties

• General liability for contractors hired by members
• $1 million per occurrence
• Premises liability only option

• Assistance to recover amounts due from responsible parties who damage property owned by or in the care, custody, or control of the member
• Work directly with a third-party administrator to investigate and pursue recovery

• Optional liability coverage
• Covers foreign commercial general liability, foreign business automobile liability, foreign voluntary compensation and employers’ liability, travel accident and sickness, and corporate kidnap and ransom/extortion
• Limits range from $10,000 to $4,000,000
• Deductibles range from $500 to $1,000

• Optional program
• $1 million per event
• Sexual abuse and molestation coverage
• Includes excess accident medical coverage for all instructors and students and applies to virtual and in-person classes or programs organized and supervised by the member agency