Property/Liability Program

Special District Risk Management Authority offers a straightforward, uncomplicated program for special districts and other public agencies. Coverage documents are broad form manuscript policies written on an “occurrence form” to ensure the highest level of coverage and maximum protection of assets for governmental entities providing municipal services. All claims are handled “in-house” by SDRMA staff.

Coverage TypeLimitDeductible
Property, Pollution and Cyber ProtectionReplacement cost with $1,000,000,000 Limit$1,000 Per Occurrence
Boiler and MachineryRepair/Replacement Cost with $100,000,000 Limit$1,000 Per Occurrence
General LiabilityMinimum $2.5 Million Per Occurrence – No Annual AggregateNone, Except $500 on Property Damage Per Occurrence
Employment Practices LiabilityMinimum $2.5 Million – Annual Aggregatenone
Employee Benefits LiabilityMinimum $2.5 Million – Annual Aggregatenone
Employee and Public Officials Errors and OmissionsMinimum $2.5 Million – Annual Aggregatenone
Public Officials Personal Liability$500,000 Per Official Per Year Annual Aggregate$500 Per Claim
Employee and Public Officials Dishonesty$1,000,000 Per Occurrencenone
Auto LiabilityMinimum $2.5 Million – No Annual AggregateNone, Except $1,000 on Property Damage Per Occurrence
Auto Physical DamageActual Cash Value (ACV)$250/$500 or $500/$1,000 Per Occurrence

This information is provided as a general description only, and is not intended to supercede specific policy documents. In the event of a conflict in language, the policy(s) will be the controlling document.

Basic Eligibility Requirements

SDRMA’s Property/Liability Program membership eligibility requirements include:

  • Be a public agency formed under California Government Code
  • Execute the SDRMA Joint Powers Agreement
  • Commit to an initial three-year member enrollment (thereafter coverage may be renewed annually)
  • Maintain annual membership in California Special Districts Association (CSDA)

Obtaining A Property/Liability Quotation

In order to obtain a quotation for membership in our Property/Liability Program, you need to submit the following 2 items:

  • 6-years detailed loss history. This should be easily obtainable from your current/prior carrier(s). If any of the information is not available for whatever reason, please draft a brief letter on district letterhead indicating your efforts and that there are no known open claims during the period of the missing loss data. We would be happy to assist you in obtaining this information.
  • Completed SDRMA Application Packet. Call us at 800.537.7790 for more information.

Property Coverage with Cyber Protection

Coverage provided for the replacement cost value of building and contents. Additional extensions provided for accounts receivable, builders risk, business interruption, commandeered property, cost of construction, debris removal, electronic data processing (items not scheduled) extra expense, fine arts (appraised value), flood coverage (annual aggregate), pollution clean up (related to property loss), personal property of others, and valuable papers. Valuation: Replacement Cost (w/o depreciation). Limits: $1,000,000,000, no annual aggregate. Deductible: $1,000 per occurrence (Pollution and Cyber Coverages have their own deductibles)
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Boiler and Machinery

Coverage for the “sudden and accidental” breakdown of mechanical and electrical machinery. Coverage includes expediting expenses, business income, extra expense, spoilage, water damage, ammonia contamination, hazardous substances, error in description, and newly acquired property. Limits: Repair/Replacement. Deductible: $1,000 per occurrence. Additional deductibles based on hp, KW/KVA/AMPS, and boilers based on square feet of heating surface.
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General Liability

Coverage for claims and losses arising from third-party personal injury, bodily injury and property damages. Coverage includes: subsidence (associated with main leaks and breaks), sudden & accidental release of chlorine, water and wastewater as a completed product (not pollution), failure to supply, sewer overflow/backups, hazardous material loading/ unloading, volunteer/ employees, and inverse condemnation and dam failure liability (by endorsement). There are no general liability policy sub limits. Limits: Minimum $2,500,000 per occurrence; no annual aggregate. Deductible: None; $500 (property damage only).
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Employment Practices Liability

Coverage for claims and losses arising from “wrongful” employment practices. Coverage includes wrongful termination, sexual harassment, and discrimination. Limits: Minimum $2,500,000 per occurrence/annual aggregate. Deductible: None.
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Employee Benefits Liability

Coverage for claims and settlements resulting from the negligent administration of employee benefit plans. Limits: Minimum $2,500,000 per occurrence/annual aggregate. Deductible: None.
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Public Officials and Employee Errors and Omissions

Coverage for public officials’ and directors’ “wrongful acts”, alleged or actual negligence, errors and omissions, breach of duty, misfeasance, malfeasance, and nonfeasance, and defamation. Limit: Minimum $2,500,000 per occurrence/annual aggregate. Deductible: None.
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Elected Officials Personal Liability

This highly specialized unique coverage protects elected/appointed officials from claims and settlements arising outside the course and scope of their duties. Coverage includes invasion of privacy, libel, slander, defamation of character, discrimination, false arrest, and malicious protection. Limits: $500,000 per official per year/annual aggregate. Deductible: $500 per claim.
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Employee and Public Officials Dishonesty

Coverage protection for member losses resulting from fraudulent or dishonest acts committed by employees, volunteers or board members. Coverage includes larceny, theft, embezzlement, forgery, and wrongful misappropriation. Limits: $1,000,000. Deductible: None.
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Automobile Liability

Auto liability coverage protects members from lawsuits for bodily injury and property damages to the public arising out of ownership, maintenance or use of a covered vehicle. Coverage includes: owned vehicles, non-owned and hired vehicles, and uninsured motorists. Limits: Minimum $2,500,000 per occurrence; no annual aggregate. Deductible: None (bodily injury); $1,000 (property damage) per occurrence.
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Automobile Physical Damage

Automobile Physical Damage (Comprehensive, Collision) provides protection for damage or loss to a member’s owned autos. Comprehensive coverage includes fire, theft, vandalism, windstorm, hail, flood, glass breakage, damage caused by riot or civil commotion, and damage from hitting or being hit by birds and animals. Collision coverage provides coverage for the repair or replacement for like kind, type and condition based on actual cash value. Valuation: Actual Cash Value (ACV) or agreed upon value. Deductibles: $250 comprehensive/$500 collision or $500 comprehensive/$1,000 collision.
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