Liability Articles

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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March 29, 2016

Ask a Coverage Expert: Hands-Free Devices and District Liability

Recently, a Pool member asked us a great question about hands-free devices being used while operating district-owned vehicles. The question was: would a district be held liable if an employee was in an accident while operating a district-owned vehicle and using a hands-free mobile phone device that the district itself had purchased?

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January 20, 2016

How to Respond to Flooding, Excess Water, and Sewer Backups

The floods that plagued Boulder County in September of 2013 proved that disaster can strike without warning. This 1,000-year rain event wreaked havoc on the region, taking meteorologists, emergency responders, and property owners completely by surprise.

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October 7, 2015

Have You Checked Your Liability Limits? How Much is Enough?

We are frequently asked, “How high should our liability limits be?” It’s a common question both for those of us in the Pool, and in the wider world of insurance. The answer is complicated, but we can sum it up easily by saying this: Your limit should be high enough to cover your assets should someone want to sue you for everything you’re worth.

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October 2, 2013

Best Laid Plans: Relocation of a Right of Way During Development

Before ground is ever broken on a new development, countless legal details including the execution and recording of deeds for rights-of-way and access roads are tended to and worried over. Despite these best laid plans, however, situations arise where circumstances and preferences dictate that rights-of-way be built on a location other than is provided for in the deed granting the easement.

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