Our Property & Liability Program is designed to offer better coverage and fewer limitations than our competitors—tailored for and by Colorado's special districts.

We offer thousands of dollars in Safety and Loss Prevention Grants, additional discounts on select risk management programs and services, free access to HR, safety, and compliance training programs, and one-on-one consultations for developing your organization’s safety culture.

Join a member-owned organization offering over 50 risk management programs and services to support your district’s safety. Our dedicated underwriters and claims team allows for better oversight of coverage and claims handling, which means our members—every one of them—get the personalized attention they deserve.

Offer your district the best protection available by switching to the CSD Pool’s Property & Liability program.

What you gain by joining:

• Up to 10%* off Property and Liability contributions and up to 1% off Workers’ Compensation contribution when you join our Property and Liability program
• Liability coverage is written on an occurrence form, not claims-made and has a base limit of $2,000,000
• Additional 5% credit on Liability contributions when at least 80% of employees complete qualifying safety training courses (10% credit if 100% completion)

For more information, please request a quote.

*Effective January 1, 2027, the multi-program discount for Property and Liability coverage will be increased from 8% to 10%.

Additional features include:

• One all-risk Property Coverage Document tailored to special districts
• One Liability Coverage Document written on an occurrence basis and tailored to special districts
• Free onsite safety inspections
• $2,000,000 Earthquake and $2,000,000 Flood
• Business Income/Extra Expense coverage with no waiting period and higher limits are available
• Terrorism and Malicious Attack coverage