Property Coverage

Safeguarding your property is our mission.

four houses with csd shield

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 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:
Our Property program covers district assets from direct physical loss or damage.
  • Damage to the district’s scheduled structures
  • Damage to the district’s scheduled contents, equipment, records, inventory, etc.
  • Business income
  • Own the building(s) they occupy
  • Use their own furniture in a leased office space
  • Rely on revenue from their business operations
  • Have computers or other valuable equipment and hardware
Loss Scenario What 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 storm
  • All 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

Overview What 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 energy
  • Damage or losses involving data processing equipment
  • Districts that own equipment that generates, transmits, or utilizes electricity (HVAC, boilers, pumps, etc.)
  • Districts that own electronic equipment that processes data (servers, computers, etc.)
Loss Scenario What 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

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