We aren’t here to tell you how to do your job. When it comes to your district, you are the expert.
Our expertise lies in helping you manage the unexpected: claims of sexual harassment and discrimination, accusation of Federal employment statute violations, cyber intrusions, or even a visitor who slipped on an icy sidewalk.
The Pool’s program was created specifically for districts just like yours. No other company has as broad and customized a plan to help you finance and manage your risks.
Special Features
- Terrorism Coverage included
- Cyber Liability included, with options for higher limits
- Up to $10 Million total limit of liability
- Pre-Loss Legal Services
Available Credits
- Training Credit Program
- Sanitation Maintenance Warranty Program
Liability Coverage Comparison
| | CSD Pool | Insurance Companies |
|---|
| $2 Million Base Liability Limit | ✔ | Typically less |
| Pollution Liability with Scheduled Property | ✔ | ✔ |
| $10 Million Maximum Limit of Liability | ✔ | ✔ |
| Mold and Fungus Liability | ✔ | Typically excluded |
| Sexual Molestation Liability | ✔ | Typically excluded |
| Cyber Liability | ✔ | Not typically included |
| Acts of Terrorism and Sabotage | ✔ | Not typically included |
| Injunctive Relief | ✔ | Not typically included |
| Fiduciary Liability | ✔ | Not typically included |
Public Entity Liability Coverage Overview
| Overview | What does it cover? | Districts that need this: |
|---|
| Our Public Entity Liability Program covers allegations of injury or damage to a third party for which the district may be responsible. | Legal defense of the negligent act or omission of the district | All districts |
| Bodily injury to a third party | |
| Damage to the property of a third party | |
| Loss Scenario | What does it cover: |
|---|
| A visitor slips and falls on district property, resulting in minor injuries. | Medical costs to the injured person |
| Legal costs associated with the incident |
| A group alleging misuse of public funds sues the district. | Public relations costs |
| Legal costs and court fees |
| A local sports club sues the district, saying that the district’s facilities are non-compliant with Title IX. | Public relations costs |
| Legal costs and court fees |
Public Officials Liability Coverage Overview
| Overview | What does it cover? | Districts that need this: |
|---|
| Our Public Officials Liability Program covers allegations relating to the actions or inactions of a district’s board or management. | Legal defense of the allegation | All districts |
| Public relations costs | |
| Loss Scenario | What does it cover: |
|---|
| A group of homeowners says a water district’s board has been negligent in their oversight, and this has resulted in damage to the plaintiffs’ homes. | Legal defense of the allegation |
| Damages for which the district is found liable |
Employment Practices Liability Coverage Overview
| Overview | What does it cover? | Districts that need this: |
|---|
| Our Employment Practices Liability Program covers allegations of violations of employment law. | Legal defense | Any district with an employee or employees |
|---|
| Public relations costs | |
|---|
| Loss Scenario | What does it cover: |
|---|
| An employee alleges that a manager engaged in sexual harassment. | Public relations costs |
| Legal defense of the manager and the district |
| Sexual harassment training for the district’s management |
| A job candidate alleges that the district has discriminatory hiring practices. | Public relations costs |
| Legal defense of the district |
| Human resources consulting |
No-Fault Sewer And Water Backup Coverage Overview
| Overview | What does it cover? | Districts that need this: |
|---|
| Our No-Fault Sewer and Water Backup Program responds to damage to a district’s customer’s home or business without, regardless of fault and is in excess of any other collectible coverage that may apply. | The immediate cleaning and restoration of an affected home for purposes of reducing the damage. | Any district that operates water or wastewater public works. (Water, Sanitation, Conservancy, Irrigation, Metropolitan, etc.) |
| Out of pocket expenses, which can include an insurance deductible, incurred within one (1) year from the date of the initial event/occurrence will be considered. Coverage is subject to a $10,000 limit per residential premises and $10,000 limit per commercial premises, up to a $200,000 maximum per intrusion and/or backup event. | | |
| Loss Scenario | What does it cover: |
|---|
| A home within the district’s service area suffers a sewer backup. | We pay a preset amount to initiate the immediate cleaning and restoration of the home to stop further damage without accepting responsibility for the event. |
Cyber Liability Coverage Overview
| Overview | What does it cover? | Districts that need this: |
|---|
| Our Cyber Liability Program protects members from risks associated with conducting business electronically. | Costs associated with data breaches | Operate one or more websites, even for informational purposes only |
| Allegations of misconduct associated with the district’s website(s) | Run an ecommerce store online |
| Costs associated with compromised information | Accept credit cards or conduct electronic billing |
| Costs associated with recovering from data lost due to damaged equipment | Store sensitive records electronically including but not limited to employee, patient, customer, student, or financial information |
| Costs associated with cyber extortion | Rely on specific computer-based systems to operate their business |
| Public relations costs | |
| Loss Scenario | What does it cover: |
|---|
| A criminal exploits a hole in your district’s network and extracts employee personal information. | Legal costs |
| Costs to notify any affected employee(s) |
| Costs associated with investigation of the event and patching the exploit |
| Any damages to the affected employee(s) |
| A district’s server unexpectedly fails, resulting in an interruption in service and potentially irrevocably lost data. | Costs associated with restoring the data, if possible |
| Lost business income as a result of the failure |
| A district employee updates the district’s website to indicate that mixing certain chemicals is a good way to clean their domestic sewer pipes. The mixture turns out to be chemically reactive, leading to the injury of at least one person. | Legal defense of the incident |
| Medical costs for the injured person(s) |
| Public relations costs |
