Coverage

Filters

Risk-Sharing Pools


Liability Protection Program

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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

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Insured Programs


Property
Program

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  • 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

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Pollution
Program

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  • Optional Program
  • $10 million per member per occurrence and aggregate for three years
  • $50 million aggregate for all members for three years
  • Optional coverage for members to provide $1 million California Financial Assurance for Underground Storage Tanks

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Cyber Liability
Program

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  • 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
  • Pre-incident advice line and post-incident hotline

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Railroad Quiet Zone Liability Program

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  • 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

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Additional Programs


Continuity of Operations Program

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  • Assists members when planned or unplanned events occur that would otherwise shut down operations
  • Agility provides power, space, communications, and technology
  • NorthStar delivers damage response, security, damage extraction, restoration, and remediation of contaminates
  • VeriClaim coordinates all activities and determines applicable coverage through the Authority’s property program

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Foreign Travel
Program

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  • 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

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