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Liability Coverage Costs
Liability coverage costs are rising for public agencies across California as social inflation continues to impact self-insurance programs, risk pools, and the insurance market more broadly. The resources below have been assembled to help keep Authority members informed about this issue. As new information becomes available, it will be posted here.
Local Government Liability Reform
If your agency would like to support local government liability reform, please consider joining the California JPIA’s Coalition to Protect Community Services. Our current policy goals are to (1) clarify design immunity, (2) establish proportionate liability for local governments, and (3) prevent unfair liability shifting away from criminals and others who commit intentional harmful acts. To endorse these policy goals, download the sample letter below and join our coalition.
Stakeholder Communications
The resources in this section are available for member agency staff to share with stakeholders as appropriate. They provide context on the factors driving insurance costs in the current market and can help support informed conversations with elected officials, department heads, and other decision-makers.
The Authority recently revised its cost allocation formula for the Primary and Excess Liability Programs. The revision introduces a new formula element, Loss Ratio Adjustments, designed to correct for long-term underwriting outcomes that fall outside the normal range of variation. This change ensures that the formula remains fair and equitable. The detailed report is provided below.
Below is a link to member-specific contribution information for 2026–27. MyJPIA login credentials are required to access the documents.
