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Property

A shield protecting houses from various disasters like flood, wind, earthquake, and fire.

Don’t let disasters scare you. As a member, you can keep working through catastrophes. Our program helps members respond to flood, landslide, fire, hail, and wind damage.

You have options that can protect your property. Our coverage can help your team to snap back from anything.

Coverage Highlights

  • All-risk form tailored to special districts
  • $2,000,000 Earthquake and $2,000,000 Flood included
  • Flood Zone A coverage is automatic with scheduled property
  • Errors and Omissions in scheduling property
  • Business Interruption included with no waiting period and options for higher limits
  • Free onsite safety inspections
  • Terrorism and Malicious Attack coverage

Available Features

  • Equipment Breakdown
  • Free onsite appraisals (some limitations apply)
  • Scheduled Underground Water and Sewer Infrastructure
  • Guaranteed replacement cost for fire districts
  • Limited Pollution on scheduled premises

Property Coverage Comparison

 CSD PoolInsurance Companies
Flood Coverage✔Typically excluded
Earthquake Coverage✔Typically excluded
Ingress and Egress Coverage✔✔
Business Interruption Coverage✔✔
Electronic Data Processing Coverage✔✔
Scheduled Underground Water and Sewer Infrastructure✔Not typically included
Errors and Omissions in Scheduling Property✔✔
Money and Securities✔✔
Wells and Storage Tanks✔Typically excluded
Acts of Terrorism and Sabotage✔Typically excluded

Property Coverage Overview

OverviewWhat does it cover?Districts that need this:
Our Property program covers district assets from direct physical loss or damage.Damage to the district’s scheduled structuresOwn the building(s) they occupy
Damage to the district’s scheduled contents, equipment, records, inventory, etc.Use their own furniture in a leased office space
Business incomeRely on revenue from their business operations
Have computers or other valuable equipment and hardware
Loss ScenarioWhat we would cover:
A district’s facilities are damaged in a severe regional flood. Access to their facility is limited.Damage to the district’s scheduled flood-damaged structures
Clean up of their grounds and facilities regardless of the source of the debris
Costs associated with transportation or lodging of employees to accommodate limited access to facilities
Lost revenue due to damaged structures
Several district buildings and vehicles are damaged in a severe hail stormAll scheduled property, requiring only a single deductible
Rental car payments if a vehicle is totaled
Lost revenue if operations are shut down as a result of the storm

Equipment Breakdown Coverage Overview

OverviewWhat does it cover?Districts that need this:
Our Equipment Breakdown program covers district assets from direct physical loss or damage.Damage or losses involving equipment that generates, transmits, or utilizes energyDistricts that own equipment that generates, transmits, or utilizes electricity (HVAC, boilers, pumps, etc.)
Damage or losses involving data processing equipmentDistricts that own electronic equipment that processes data (servers, computers, etc.)
Loss ScenarioWhat we would cover:
An unexpected electrical short damages a building’s HVAC system.Damage to the district’s scheduled equipment
Any food or perishable goods spoiled due to lack of refrigeration or climate control
Lost revenue if the building is shut down as a result of the outage