Liability Articles

July 18, 2019

E-Scooters Bring Liability, Safety Concerns to Colorado

The electric scooter craze is sweeping the country. Find out the challenges state legislatures and cities face with this new type of transportation.

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October 19, 2018

The Crossing of Policy and Medicine

With the opioid epidemic raging, the life-saving drug Narcan has become a key issue for many districts.

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October 19, 2018

What are Sovereign Citizens?

Sovereign citizens can create a number of issues for local governments. Find out more about them here.

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October 19, 2018

Ask the Experts: Third-Party Claims

The experts answer questions about statutes of limitations for third-party claims. Find out how to handle third-party incidents in your district.

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March 28, 2018

Ask the Experts: What is Business Income coverage?

The CSD Pool includes up to $250,000 for Business Income including Extra Expense/Rental Income for a covered loss. Business Income will pay for net profit or net income that would usually be earned by normal operations had there not been a loss, including payroll.

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January 2, 2018

Ask the Experts: Subrogation

Subrogation refers to the act of substituting one thing for another. In the case of a covered loss, it means substituting one person (a third party found to be at fault) for another person (the original covered party).

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January 2, 2018

Putting Auto Claims into Perspective

Smartphone cameras now boast megapixels, units of image resolution, comparable to actual digital cameras, giving consumers the ability to capture images with surprising clarity. There are many instances where a handy camera can prove invaluable, and a car accident is one of them.

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April 11, 2017

Ask the Experts: Covenant Enforcement

Members must disclose their participation in covenant enforcement for underwriting purposes and remit a nominal charge based on the number of homes. This allows us to provide coverage for any unforeseen risks involved with this type of exposure without having to raise rates for every member.

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April 11, 2017

Ask the Experts: Scheduling Manholes and Pipelines

The Pool provides coverage for underground (UG) pipes but only if they are within 1,000’ of a scheduled location and coverage is limited to damage from fire or explosion.

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October 10, 2016

Ask the Experts: TULIP Coverage

We answer the question: My district rents out facilities for events. Should we require that users carry their own insurance?

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