Auto Coverage Overview
Overview | What does it cover? | Districts that need this: |
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Our Auto Physical Damage and Liability Programs cover districts for autos used for district business. |
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Loss Scenario | What does it cover: |
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A district employee accidentally backs the district’s truck into another vehicle. |
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A district employee rear-ends a truck while driving their own vehicle for district business. |
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Pollution Liability Coverage Overview
Overview | What does it cover? | Districts that need this: |
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Our Pollution Liability Program covers newly discovered pollution coming from covered facilities that affect first or third party property. |
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Loss Scenario | What does it cover: |
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Herbicide leaks and discharges chemical onto district property and that of a neighboring business. |
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Crime Coverage Overview
Overview | What does it cover? | Districts that need this: |
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Our Crime Coverage Program fulfills the state’s requirement for bonds by covering the actions or inactions of district officials. |
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Loss Scenario | What does it cover: |
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An employee transfers funds at the request of someone posing as a board member. |
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A manager embezzles money from the district for years, covering their tracks until the amounts became impossible to conceal. |
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Volunteer Accident Coverage Overview
Overview | What does it cover? | Districts that need this: |
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Our Volunteer Accident coverage covers community volunteers who are injured while performing their supervised and assigned volunteer activities |
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Loss Scenario | What does it cover: |
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The golf course’s volunteer marshal was hit by an errant golf ball and had to go to urgent care for stitches. |
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A district sponsors a community improvement day and a registered volunteer sprains their wrist while digging up weeds. |
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