Coverage & Insurance Services

Since its founding, the California JPIA has always sought to provide broad coverage for its members. Public agencies are constantly confronted with a broad range of risk management exposures. To address these exposures, the California JPIA has developed an equally broad range of programs to protect its members.

The following coverage programs and insurance services are available to members:

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Risk-Sharing Pools


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 $40 million per occurrence, including general and automobile liability
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  • 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
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Insured Programs


  • 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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  • Optional $50 million aggregate for three years for all members
  • Per-member aggregate limit of $10 million for three years
  • Optional coverage for members to provide California Financial Assurance for Underground Storage Tanks
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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
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  • Optional $1 million per member
  • Higher limits available
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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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  • Optional $1 million per event/instructor
  • Includes recreation instructors' liability
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  • General liability
  • Premises liability only option
  • $1 million per occurrence
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Additional Programs


  • 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
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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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