Issue 161 - July 2025
COVERAGE MATTERS
2025–26 Memoranda of Coverage and Program Certificates
Memorandum of Coverage—Liability Program
Pages 6–16—Definitions: Definitions were added for the terms Annual Aggregate Deductible, Earth Movement, Endorsement, Member Retained Limit, Protection Limit, and Sublimit. Some of these terms had been previously used, but did not necessitate definition, while others are new to the document and are significant enough that they required definition.
Page 20—Exclusion P: The exclusion was amended to clarify that the approval or disapproval of land use regulations is both discretionary and non-discretionary. It has also been clarified that the approval or disapproval of ordinances includes any licensing issues, and also includes massage parlors.
Endorsement 2: After considerable consultation with the Managers Committee and the Executive Committee, a Sublimit on coverage for Earth Movement-related claims was adopted. This necessitated creating a new endorsement to the Primary Liability portion of the MOC. The Endorsement sets forth limits of $10M, per member, per coverage period and a pool-wide limit of $30M per coverage period, to be shared by all members, if necessary. These limits are regardless of the number of claims filed.
Endorsement 2 was previously utilized to list the Excess Liability Program members and their corresponding Member Retained Limits. We have moved that information to the newly formed Endorsement 3.
Endorsement 3 was amended to reflect that Pacific Grove and San Luis Obispo have increased their Member Retained Limits from $150,000 to $200,000 and $500,000 to $1,000,000, respectively.
Memorandum of Coverage—Workers’ Compensation Program
Page 6: Workers’ compensation coverage is now extended to paid and unpaid interns.
Memorandum of Coverage—Property Program
Page 4: “All Risk” deductible has increased from $10,000 to $15,000 for all perils and property including fire and ambulance vehicles and vehicles on the premises and boats.
Page 58: Terrorism limit has increased from $100,000,000 to $150,000,000.
Program summaries for the 2025–26 coverage period will be updated and provided to members in the coming weeks.
Your agency’s personalized Memoranda of Coverage and Program Certificates for 2025–26 are available for download. Member employees can go to cjpia.org, hover over Coverage, and then either click on Memoranda of Coverage or Program Certificates. Log in, and you will land on your agency’s organization page in our member portal and have access to this year’s documents.
If you have forgotten or require myJPIA credentials, please use the features found on the myJPIA login page to register or reset your password. Your username is your email address.
If you have any questions about coverage-related issues, please contact the appropriate program manager: Paul Zeglovitch, claims and insurance director; Jeff Rush, workers’ compensation program manager; or Christopher Gray, insurance programs manager.
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