Q & A Hands

Commonly Asked Questions from Members

We compiled a list of common questions we receive each year. Check out our answers below!

Each year, the CSD Pool receives a handful of questions that come up time and time again. To help streamline communications, we jotted down a few that are important to almost everyone within the CSD Pool membership.

Don’t see your question on the list? Contact us with any additional questions at info@csdpool.org!


Our Safety & Loss Prevention Grant program reimburses up to 50% of the cost of purchases that help reduce the risk of a loss or improve the safety of your facilities, subject to approval. Eligible districts receive additional funds each March.

If your district submits a Safety Grant application and there are no funds currently available, just check in with us again in April to find out your new grant balance.

Districts start receiving Safety Grant funds once minimum annual contribution reaches $3,000.

To find out more, visit csdpool.org/grants.

COVID-19 Grants: For a limited time, qualifying members can receive up to 100% reimbursement on COVID-19-related safety and loss prevention purchases.

Contact info@csdpool.org to receive your current Safety Grant balance, or with any questions.


EMOD stands for Experience Modification. Your EMOD affects your annual contribution, although not all members qualify for an EMOD.

To be eligible, the raw manual contribution must average either $4,750 the last three (3) experience rating periods or $9,500 in the last two (2) experience rating periods.

An EMOD is based on expected losses versus actual losses. Expected losses are based on your class codes and your payroll.

Each EMOD period ends June 30. The analysis itself is based on three years of data, beginning with data from four years prior. For example, in 2022 your EMOD will be based on experience for the years 2018, 2019 and 2020.

If your EMOD is rated at 1.0, this means your actual losses are in line with what is expected and there will be no modification to your contribution. If your claims experience is better than expected losses, your EMOD will be below 1.0, which means you will receive a credit to your contribution.

Conversely, if your claims experience is worse than expected losses, your EMOD will be higher than a 1.0, and you will pay an additional contribution.

It is important to protect your EMOD. For ideas on how to do so, to request an EMOD analysis, or if you have any questions, please contact us.


The Special District Association of Colorado was founded in 1975 with a mission to serve the special districts of Colorado. Currently, the SDA has over 2,150 special district members and over 300 associate members. In addition to educating districts, the SDA offers legislative representation and input, advocating before the Colorado General Assembly in the interest of special districts.

The Colorado Special Districts Property & Liability Pool is a member-owned governmental entity pool founded in 1988 and offers coverage and risk management services to help serve and support the safety needs and preserve operations of Colorado Special Districts. The CSD Pool offers a variety of safety programs under our risk management services, offering help and organization with everything from driver safety to safety consulting to discounts on safety gear.

The Colorado Special Districts Pool is governed by nine special district board members and has no employees. Insurance professionals at McGriff Insurance Services, Inc. administer the Colorado Special Districts Property & Liability Pool.


Self-insuring is what happens with a risk that has not been transferred to insurance. Self-insuring can also apply to your deductible, when you are sharing the risk with the CSD Pool.

Self-insuring is beneficial to special districts. It provides options such as taking a higher deductible or deciding not to insure certain property or equipment. However, it can be an unwelcome surprise when you find out that something you thought was covered is not.

This may occur when not all of a district’s assets are listed on the Property and/or Inland Marine schedules.

Commonly missed scheduled property includes:

  • Fences
  • Light poles
  • Fire hydrants
  • Monuments
  • Signs

Another coverage gap can arise if a district’s Business Income/Extra Expense limit is not sufficient for the district’s specific needs. The CSD Pool Property coverage includes a $250,000 sublimit for loss of business income to pay continuing expenses, such as staff payroll, and/or extra expenses that the district incurs in the event of a shutdown due to a covered loss at a scheduled location. However, depending on the district, this sublimit may not be enough to cover all extra expenses, loss of fees, etc. If you believe your district may need a higher limit for Business Income/Extra Expense, please contact us.

During renewal season, it’s a good idea to review your schedules and complete a Business Income worksheet, so you know what is covered by the CSD Pool and what is self-insured.


Equipment Breakdown provides coverage when covered property or equipment is damaged because of an accidental mechanical breakdown, artificial electrical current, or the explosion or bursting of a boiler.*

Coverage may include incurred expenses such as:

  • Cost to repair or replace damaged equipment
  • The additional cost to upgrade to equipment that is safer for the environment
  • Loss of business income, rental income, and extra expenses incurred
  • Cost to restore lost data
  • Expenses incurred to expedite equipment repairs or replacement
  • Additional costs to repair or replace property contaminated by hazardous substances

So what kind of property is included under Equipment Breakdown coverage? Property or equipment at a scheduled location that generates, transmits or utilizes energy or, during normal usage, operates under vacuum or pressure, other than the weight of its contents.  Examples include HVAC systems, computer equipment, pumps, control systems such as SCADA, boilers, turbine generators, engine generators and transformers.

Some examples of possible Equipment Breakdown claims include:

  • Motor breakdown due to electric arcing
  • Compressor failure related to a power surge
  • Electrical equipment failure resulting from a burned out underground feeder cable
  • Steam boiler explosion due to a water pump malfunction
  • Motor/pump/valves overheating or failure due to unknown causes

*Exclusions apply; please contact us for more details.


Electronic Data Processing refers to any computer-based equipment serving as a computer. This includes, but is not limited to, computers (desktop and laptop), tablets, servers, printers, SCADA, and fire protection equipment that utilizes computer hardware.

Media refers to the materials upon which your data is stored. This includes, but is not limited to, paper, tapes, cards, and electronic memory.

Your Colorado Special Districts Property & Liability Property coverage includes a sublimit of $250,000 per EDP occurrence unless another limit is scheduled. If $250,000 is not enough to cover your district’s data processing equipment and media, we can schedule an EDP limit for each location at which a higher limit is needed.

With additional questions, or for assistance reviewing your coverage, contact Vicki Sullivan, at vicki.sullivan@mcgriff.com.