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Property Inland Marine Coverage Highlights

  • Standard ISO property coverage – Special Form, subject to coverage document exclusions
  • No Coinsurance Clause
  • Flood and Earthquake optional coverage
  • Special Property and Inland Marine coverage extensions – see Elitepac

Property-Inland Marine Elitepac Coverage Highlights

Extra Expense – $250,000
Valuable Papers – $100,000
Accounts Receivable including electronic media – $100,000
Fine Arts – $25,000
Mobile, portable, or contractor’s equipment – $100,000
Computers, Media, and Communications equipment – $500,000
Rented, leased or borrowed equipment – $50,000
Underground Pipes – $100,000
Personal Property in Transit – $100,000

Equipment Breakdown Highlights

  • Covered Property: Equipment built to operate under vacuum or pressure, other than weight of contents, or used for the generation, transmission or utilization of energy. Electrical or mechanical equipment that is used in the generation, transmission or utilization of energy. Communication equipment, computer equipment and fiber optic cable.
  • Property Damage
  • Business Income
  • Extra Expense
  • Utility Interruption
  • Expediting Expenses
  • Water Damage
  • Spoilage

General Liability Highlights

  • Premises Operations
  • Products and Completed Operations
  • Fire Legal Liability $50,000
  • Corporal Punishment
  • Limited Worldwide Coverage
  • Additional Persons Insured
  • Employee Benefits Liability: Claims-made with sub-limits of $1,000,000/$1,000,000 and retro-active date of inception; Deductible: $1,000

Automobile Highlights

  • Hired and Non-Owned Liability included
  • Fleet Automatic Coverage applies. Additions and deletions must be reported within 30 days.
  • Hired Car Physical Damage included $50,000 limit – $1,000 deductible
  • Broadened definition – Who is a Member
  • Blanket Additional Members
  • Fellow Employee Amendment

Crime Highlights

  • Public Employee Dishonesty
  • Money & Securities, inside
  • Money & Securities, outside
  • Forgery and Alteration
  • Computer Fraud

Educators Legal Liability Highlights

  • Includes Employment Practices including Sexual Harassment
  • Broadened definition – Who is a Member
  • Claims-Made form
  • Deductible applies towards damages, “claims expense” and supplemental payments.
  • Civil rights violations
  • Back pay limited coverage of $50,000 each claim with $100,000 policy aggregate

Law Enforcement Highlights

  • Occurrence Form
  • Defense costs are in addition to the Coverage Document Limits
  • No exclusion for punitive and exemplary damages
  • Civil rights violations
  • False arrest

Excess Liability Highlights

  • Limits up to $4,000,000 available subject to approval
  • $1,000,000 sexual abuse and molestation sublimit
  • Limits over General Liability, Automobile Liability and School Board Legal Liability available

Disclaimer: The Coverage Document, not this webpage, form the contract between the Member and the Pool. The Coverage Document contains limits, exclusions, and conditions that are not listed here. All coverages are subject to individual underwriting judgments and to state legal and regulatory requirements. This webpage is provided for informational purposes only.