Insured Programs

The California JPIA’s insured programs represent commercial insurance programs, including all risk property, earthquake, mechanical breakdown, vehicle physical damage, pollution and remediation legal liability, crime, special events, and vendors/contractors. The California JPIA uses a third-party administrator to investigate and respond to all claims.

Property

The property program includes all-risk coverage for real and personal property, including buildings, office furniture and equipment, fine art, contractor’s equipment, mobile and unlicensed equipment, vehicles, the property of others while in the member’s care, and buildings under construction.

Optional coverage is available for earthquake and flood, high-value emergency vehicles, and mechanical breakdown. Please see the documents section below for additional information on each of the property program elements.

Rates are competitively priced based upon member exposures and experience.

Property Schedules

All participants in the property program are asked to keep their schedules current and to maintain their accuracy. Since property schedules determine member premiums for property coverage, updates should include adding or deleting buildings, equipment, and vehicles acquired/sold since the schedule was last updated. Additionally, a review of the current values listed for both your property and vehicle schedules should take place. It is further recommended that buildings be appraised every seven to ten years by a professional appraiser to ensure they are properly valued.

Members may access their property schedules on Alliant Insurance Services’ online AlliantConnect system by clicking here. Please contact Joe Sanders for any assistance with AlliantConnect, including passwords or technical difficulties. Joe may be reached at (949) 660-8153 or jsanders@alliant.com.

Property Inspections

Those members who participate in the property program have the added optional benefit of receiving an annual inspection of buildings that exceed a certain amount if listed on the member’s property schedule. Members are contacted in the fall by an inspector from Alliant Insurance Services, to schedule the inspection. The inspections are intended to evaluate these buildings for fire protection and engineering risk assessments. While the inspections are useful in assisting with employee safety and sometimes included in the Authority’s Risk Management Evaluations, they are primarily geared toward reducing the risk of damage to the buildings themselves.

Mechanical Breakdown

Those members who participate in the mechanical breakdown program are offered inspections of certain pressurized vessels. These inspections are mandated by the State of California. Travelers Insurance, the Authority’s mechanical breakdown insurance carrier, will conduct these inspections at no cost to the member and will help identify ways to prevent losses to valuable equipment. Members are contacted directly by Travelers prior to the expiration of a vessel’s certificate.

Coverage is for both first- and third-party damages, including certain types of cleanups, listed non-owned disposal sites, and above-ground and underground storage tanks. Members work directly with the insurance carrier to investigate and respond to claims.

If you believe a claim should be reported immediately, use the link on this page, even if you do not have all the information listed above.

Hazardous Materials Incident

• In the event of a fuel spill or hazmat incident, approach the scene cautiously, and avoid rushing in or taking action beyond your level of training or expertise
• Identify the hazard by consulting placards, labels, MSDS or other available sources of information
• Secure the area to prevent unauthorized access
• Contact local emergency response organizations

Underground Storage Tanks

Participating members have the option to obtain coverage to meet California’s Financial Assurance for Underground Storage Tanks. See the Pollution Program documents for additional information and details.

The cyber liability program provides coverage for both first- and third-party claims. First-party coverage includes privacy regulatory claims, security breach response, business income loss, dependent business income loss, digital asset restoration costs, and cyber-extortion threats, while third-party coverage includes privacy liability, network security liability, and multimedia liability. Members work directly with the reinsurer to investigate and respond to claims.

If an Incident or Breach Occurs

If a member becomes aware of an incident or breach, immediately:

Call the Data Incident Reporting Hotline at (855) 440-3400.

The Data Incident Reporting Hotline is to assist members and coordinate resources but does not satisfy the claim notification obligations. All claims/incidents, privacy wrongful acts or security wrongful acts must be reported as per the Memorandum of Coverage – Cyber Liability Program using the Authority’s online claim reporting system.

All incidents members consider as claims must be reported online using the link at the bottom of this page.

Call the hotline

Brit, the reinsurer for the Cyber Liability Program, has partnered with ePlace to provide a hotline for members to call in the event of a claim or incident. Members should contact the Data Incident Reporting Hotline at 855-440-3400 to coordinate incident response resources.

Typical information necessary when calling the hotline includes:

• Person most knowledgeable about the claim/incident with phone, alternate phone, and email
• Best time to reach contact
• Does the claim/incident involve services provided to anyone outside California?

Does the incident involve any of the following:

• Lost or stolen laptop or wireless device (BlackBerry, iPhone, smartphone)
• Other lost or stolen data storage device (thumb drive, portable hard drive, memory card)
• Use of/access to confidential information by someone who works for you
• Use of/access to confidential information by someone who does not work for you

Under the California JPIA cyber insurance coverage, members also have access to a free pre-paid cyber advice line. This line offers advice from experienced industry professionals on all privacy/data security issues such as risk assessments, incident response planning, vendor management, the California Consumer Privacy Act (CCPA), data breach prevention, and much more. Call (877) 819-3316 or email cyberteam@eplaceinc.com for help with any cybersecurity or data privacy questions.

Please note: this phone number cannot be used for reporting a security incident. To report a security incident, use the Data Incident Reporting Hotline, (855) 440-3400, as mentioned above.

Brit Cyber Resources

Brit Insurance, one of the Authority’s strategic partners, makes available to members resources specific to cyber exposures, including various training videos related to cyber risk, ransomware, hacking, phishing, etc. These resources are geared specifically for IT personnel, risk managers, and others who have responsibilities in this area. Visit the Brit website to access these resources.

For help navigating these resources from Brit, contact the Authority’s Insurance Programs Manager, Jim Thyden.

The California JPIA contracts with Alliant Insurance Services for administering this program. Coverage is provided for the following exposures.

• Faithful Performance
  Employee dishonesty, including theft, and failure of any employee to faithfully perform their duties. Includes all employees, the agency treasurer, agency
  clerk and/or tax collector and any employee required by law to be individually bonded.
• Depositor’s Forgery
  Loss by forgery or alteration of, on or in any check, draft, promissory note or similar written promise, order or direction to pay money that is made or
  drawn upon the member’s accounts, including credit, debit, or charge cards, by someone acting as the member’s agent or that are purported to have been so
  made or drawn. This coverage protects you against forgery or alteration losses caused by a person other than an employee.
• Crime – money and securities
  Covers loss of your money or securities by theft, disappearance or destruction while they are on your premises or on banking premises, or while your money or securities are outside your premises in the possession of a messenger. This coverage protects you from theft, robbery and safe burglary caused by persons other than an employee.
• Computer Fraud
  Theft directly related to the use of any computer to fraudulently cause a transfer of money, securities or other property from inside the premises or banking premises to a person or place outside those premises.

Coverage provides liability insurance when member-owned premises are used for special events or short-term activities. Examples include weddings, art festivals, parades, block parties, yoga classes, and member-sponsored events such as job fairs, carnivals, and swap meets. Members administer the program, accept funds, and issue certificates of insurance online with Alliant Insurance Services, with whom the California JPIA contracts for this program. There is no deductible, and the member is added as an additional insured, if entered on the certificate. Because it is automatic, members do not need to obtain an additional insured endorsement. Liability limits are purchased in $1,000,000 per occurrence increments. Medical payments are also available with limits of $5,000, with the option to purchase $5,000 in additional limits.

To use the program, access the Alliant website here. Instructions on how to use Alliant’s Special Events online system can be found here. Any necessary documents, including the program manual, can be found using the links on the right side of this webpage.

This program was developed to meet the needs of the public entity in assuring that there is insurance coverage in place for those situations where members enter into a contract with a contractor or vendor. By offering this coverage, the member will have the advantage of being able to contract with qualified bidders. Previously, these contractors could not participate as they often could not meet the member’s minimum insurance requirements. Coverage is provided for general liability only.

The Railroad Quiet Zone liability program provides coverage for bodily injury and property damage claims arising out of the acts or omissions of the insured at the Designated Quiet Zone noted in the declarations or by endorsement. Provides indemnification to the railroad when required by written contract. There is also limited pollution coverage when caused by a railroad accident. There is a $100,000 self-insured retention per occurrence and a $2,000,000 limit per occurrence with a $2,000,000 program aggregate for all claims by all members.

In 2005, the Federal Railroad Administration (FRA) adopted the “Train Horn” rule which required that locomotive horns be sounded at public highway-rail crossings and provided flexibility to localities to silence horns through the establishment of “Quiet Zones.” The rule went into effect on June 24, 2005, at which time existing state and local whistle ban laws were preempted. Subsequently, several Authority members began the process of establishing “Quiet Zones.”

Under the MOCs for the primary and excess liability programs, the Authority does not provide coverage for railroad exposures, including “Quiet Zones” as approved by the FRA, or any liability members assume in contracts related to “Quiet Zones.” The MOCs do permit Authority staff to approve “Protected Contracts” with indemnity agreements pertaining to “Quiet Zones.” If the “Protected Contract” is approved, coverage is bound with the insurance carrier. Premiums are paid by the Authority and reimbursed by members.

Because the insurance carrier will not name operating railroads as Additional Insureds, members retain this exposure if they have agreed to it in a written agreement or contract. This results in a coverage gap for members, who will retain the full exposure for their contractual indemnification of an operating railroad.

The California JPIA contracts with Arthur J. Gallagher & Co. to administer this program. Members can contact Jim Thyden by email or (562) 467-8784 with any questions or to purchase this optional coverage.