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 Pool | Insurance 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
Overview | What does it cover? | Districts that need this: |
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Our Property program covers district assets from direct physical loss or damage. |
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Loss Scenario | What we would cover: |
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A district’s facilities are damaged in a severe regional flood. Access to their facility is limited. |
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Several district buildings and vehicles are damaged in a severe hail storm |
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Equipment Breakdown Coverage Overview
Overview | What does it cover? | Districts that need this: |
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Our Equipment Breakdown program covers district assets from direct physical loss or damage. |
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Loss Scenario | What we would cover: |
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An unexpected electrical short damages a building’s HVAC system. |
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