Special Features
- Terrorism Coverage included
- Cyber Liability included, with options for higher limits
- Up to $10 Million total limit of liability
- Pre-Loss Legal Services
Available Credits
- Training Credit Program
- Sanitation Maintenance Warranty Program
Liability Coverage Comparison
CSD Pool | Insurance Companies | |
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$2 Million Base Liability Limit | ✔ | Typically less |
Pollution Liability with Scheduled Property | ✔ | ✔ |
$10 Million Maximum Limit of Liability | ✔ | ✔ |
Mold and Fungus Liability | ✔ | Typically excluded |
Sexual Molestation Liability | ✔ | Typically excluded |
Cyber Liability | ✔ | Not typically included |
Acts of Terrorism and Sabotage | ✔ | Not typically included |
Injunctive Relief | ✔ | Not typically included |
Fiduciary Liability | ✔ | Not typically included |
Public Entity Liability Coverage Overview
Overview | What does it cover? | Districts that need this: |
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Our Public Entity Liability Program covers allegations of injury or damage to a third party for which the district may be responsible. |
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Loss Scenario | What does it cover: |
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A visitor slips and falls on district property, resulting in minor injuries. |
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A group alleging misuse of public funds sues the district. |
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A local sports club sues the district, saying that the district’s facilities are non-compliant with Title IX. |
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Public Officials Liability Coverage Overview
Overview | What does it cover? | Districts that need this: |
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Our Public Officials Liability Program covers allegations relating to the actions or inactions of a district’s board or management. |
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Loss Scenario | What does it cover: |
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A group of homeowners says a water district’s board has been negligent in their oversight, and this has resulted in damage to the plaintiffs’ homes. |
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Employment Practices Liability Coverage Overview
Overview | What does it cover? | Districts that need this: |
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Our Employment Practices Liability Program covers allegations of violations of employment law. |
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Loss Scenario | What does it cover: |
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An employee alleges that a manager engaged in sexual harassment. |
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A job candidate alleges that the district has discriminatory hiring practices. |
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No-Fault Sewer and Water Backup Coverage Overview
Overview | What does it cover? | Districts that need this: |
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Our No-Fault Sewer and Water Backup Program responds to damage to a district’s customer’s home or business without accepting responsibility for the event. |
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Loss Scenario | What does it cover: |
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A home within the district’s service area suffers a sewer backup. |
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Cyber Liability Coverage Overview
Overview | What does it cover? | Districts that need this: |
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Our Cyber Liability Program protects members from risks associated with conducting business electronically. |
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Loss Scenario | What does it cover: |
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A criminal exploits a hole in your district’s network and extracts employee personal information. |
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A district’s server unexpectedly fails, resulting in an interruption in service and potentially irrevocably lost data. |
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A district employee updates the district’s website to indicate that mixing certain chemicals is a good way to clean their domestic sewer pipes. The mixture turns out to be chemically reactive, leading to the injury of at least one person. |
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