Liability Coverage

We are looking out for your operations.

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We aren’t here to tell you how to do your job. When it comes to your district, you are the expert.

Our expertise lies in helping you manage the unexpected: claims of sexual harassment and discrimination, accusation of Federal employment statute violations, cyber intrusions, or even a visitor who slipped on an icy sidewalk.

The Pool’s program was created specifically for districts just like yours. No other company has as broad and customized a plan to help you finance and manage your risks.

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
$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:
Our Public Entity Liability Program covers allegations of injury or damage to a third party for which the district may be responsible.
  • Legal defense of the negligent act or omission of the district
  • Bodily injury to a third party
  • Damage to the property of a third party
  • All districts
Loss Scenario What does it cover:
A visitor slips and falls on district property, resulting in minor injuries.
  • Medical costs to the injured person
  • Legal costs associated with the incident
A group alleging misuse of public funds sues the district.
  • Public relations costs
  • Legal costs and court fees
A local sports club sues the district, saying that the district’s facilities are non-compliant with Title IX.
  • Public relations costs
  • Legal costs and court fees

Public Officials Liability Coverage Overview

Overview What does it cover? Districts that need this:
Our Public Officials Liability Program covers allegations relating to the actions or inactions of a district’s board or management.
  • Legal defense of the allegation
  • Public relations costs
  • All districts
Loss Scenario What does it cover:
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.
  • Legal costs associated with the incident
  • Damages for which the district is found liable

Employment Practices Liability Coverage Overview

Overview What does it cover? Districts that need this:
Our Employment Practices Liability Program covers allegations of violations of employment law.
  • Legal defense
  • Public relations costs
  • Any district with an employee or employees
Loss Scenario What does it cover:
An employee alleges that a manager engaged in sexual harassment.
  • Public relations costs
  • Legal defense of the manager and the district
  • Sexual harassment training for the district’s management
A job candidate alleges that the district has discriminatory hiring practices.
  • Public relations costs
  • Legal defense of the district
  • Human resources consulting

No-Fault Sewer and Water Backup Coverage Overview

Overview What does it cover? Districts that need this:
Our No-Fault Sewer and Water Backup Program responds to damage to a district’s customer’s home or business without, regardless of fault and is in excess of any other collectible coverage that may apply.

Out of pocket expenses, which can include an insurance deductible, incurred within one (1) year from the date of the initial event/occurrence will be considered. Coverage is subject to a $10,000 limit per residential premises and $10,000 limit per commercial premises, up to a $200,000 maximum per intrusion and/or backup event.
  • The immediate cleaning and restoration of an affected home for purposes of reducing the damage.
  • Any district that operates water or wastewater public works. (Water, Sanitation, Conservancy, Irrigation, Metropolitan, etc.)
Loss Scenario What does it cover:
A home within the district’s service area suffers a sewer backup.
  • We pay a preset amount to initiate the immediate cleaning and restoration of the home to stop further damage without accepting responsibility for the event.

Cyber Liability Coverage Overview

Overview What does it cover? Districts that need this:
Our Cyber Liability Program protects members from risks associated with conducting business electronically.
  • Costs associated with data breaches
  • Allegations of misconduct associated with the district’s website(s)
  • Costs associated with compromised information
  • Costs associated with recovering from data lost due to damaged equipment
  • Costs associated with cyber extortion
  • Public relations costs
  • Operate one or more websites, even for informational purposes only
  • Run an ecommerce store online
  • Accept credit cards or conduct electronic billing
  • Store sensitive records electronically including but not limited to employee, patient, customer, student, or financial information
  • Rely on specific computer-based systems to operate their business
Loss Scenario What does it cover:
A criminal exploits a hole in your district’s network and extracts employee personal information.
  • Legal costs
  • Costs to notify any affected employee(s)
  • Costs associated with investigation of the event and patching the exploit
  • Any damages to the affected employee(s)
A district’s server unexpectedly fails, resulting in an interruption in service and potentially irrevocably lost data.
  • Costs associated with restoring the data, if possible
  • Lost business income as a result of the failure
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.
  • Legal defense of the incident
  • Medical costs for the injured person(s)
  • Public relations costs

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