HomeMy WebLinkAboutLiability_Protection_Program_2025-26 COVERAGE
1 SUMMARY
LIABILITY PROGRAM
INTEGRITY
EXCELLENCE
INNOVATION
I
Protection period:
TEAMWORK July 1,2025,to July 1,2026
'30r31
CAM FOPNIA
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CALIFORNIA
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Providing innovative risk management solutions
for our public agency partners
LIABILITY PROGRAM
Coverage Summary
July 1,2025,to July 1,2026
July 1,2025 LP 25
=A (Supersedes LP 24)
Program Liability Protection Program losses have a self insured retention up to$30
million.Reinsurance and excess insurance are purchased from $10 million to
$50 million'.This program provides coverage for general liability and auto
liability exposures.
Protection Period July 1,2025,at 12:01 a.m.to July 1,2026,at 12:01 a.m.Pacific Tim
Protects A California JPIA Members(including commissions,agencies,authorities,
or similar entities that qualify in the definition of Member in the
Memorandum of Liability Coverage);and
B. Any person or entity defined in the Memorandum of Liability Coverage
as a Protected Party.
Covers Legal obligations to pay as damages by reason of tort liability imposed by
law because of one or more of these defined damages:
1. Bodily Injury
2. Property Damage
3. Personal Injury
4. Public Officials Errors and Omissions
5. Broadcast/Publication Injury
6. Employment Practices Injury
7. Employee Benefits Administration Liability
8. Termination of City Manager's Employment
Limits LIMITS PER MEMBER(Liability)
$50,000,000 Per Occurrence Per Member
LIMITS PER MEMBER(Subsidence)
$10,000,000 Per Member,Per Protection Period
$30,000,000 For All Members Combined Annually
Major Exclusions REVIEW COVERAGE DOCUMENTS FOR ALL EXCLUSIONS
1. Owned airport,aircraft,or watercraft;
2. Workers Compensation or similar employment-related claims;
3. Damage to owned or leased property,or property in the care,
custody or control of the member;
4. Dam failure in self-insured layers;
5. Condemnation or Inverse Condemnation;
6. Pollution/Hazardous Materials(limited coverage);
7. Ionizing radiations or radioactive material (limited coverage);
8. Failure to supply utility service;
9. Medical care activities(limited coverage);
THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFYTHE MEMORANDUM OF COVERAGE,NORTHE
REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS,SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA
OFFICE.EFFECTIVE JULY 1,2025
CALIFORNIA Rev.7/1/25 Pagel
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LIABILITY PROGRAM
Coverage Summary
July 1, 2025,to July 1,2026
Major Exclusions(Continued) 10. Use or operation of any railroad;Quiet Zones;wayside horns;
11. Wrongful termination,or failure to hire or promote(limited coverage);
12. Punitive damages;
13. Adoption or administration of an ordinance,land use entitlements;
14. Antitrust;
15. Equitable or similar actions not for monetary damages;
16. Loss of money,securities,or refunds;
17. Suits by a Member against a protected party;
18. Organic Pathogens
19. Cyber Liability
'Annual aggregate deductible(AAD)$2 million($10M x$20M)apply to losses up to$30 million
THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFYTHE MEMORANDUM OF COVERAGE,NOR THE
REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS,SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA
OFFICE.EFFECTIVE JULY 1,2025
CALIFORNIA Rev.7/1/25 Page
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LIABILITY PROGRAM
Coverage Tower
July 1,2025,to July 1,2026
$50M
$5M excess of $45M
$45M $15M excess of 1
$30M
1 • 1
. �
$20M
$15M $5M excess of $15M
$5M excess of $1 1
$10M
$3M $7M excess of $3M
Pool
• Excess
Mem . -
Retention]
THE ABOVE IS A SUMMARY ONLY.IT DOES NOT MODIFY THE MEMORANDUM OF COVERAGE,NORTH
REINSURANCE OR EXCESS INSURANCE DOCUMENTS.
FOR FULL COVERAGE DETAILS,SEETHE FULL CONTRACTS AND POLICIES ON FILE ATTHE CALIFORNIA JPIA
OFFICE.EFFECTIVE JULY 1,2025
CALIFORNIA Rev.7/1/25 Page
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