ARTICLES ABOUT Ask the experts

July 21, 2020

Ask the Experts: What are the WC Considerations of Working from Home?

Find out more about what working from home means for workers’ compensation.

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March 28, 2018

Ask the Experts: Flood coverage

Unlike outside flood programs, ours is automatic for all scheduled property. We cover your assets for up to $2,000,000. For some, this limit may cover the repair of their facilities.

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March 28, 2018

Ask the Experts: Notice of Occurrence

A notice of occurrence simply means notifying your insurance company of an incident, which can help your organization in several ways: preventing further damage to its property as well as paying fewer out-of-pocket costs.

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March 26, 2018

Ask the Experts: What are ‘incident rates’ and how are they calculated?

You may not be familiar with the concept of an incident rate because, unlike most employers, special districts are not required to report workplace injuries and fatalities to OSHA. The incident rate is a benchmark created by OSHA to illustrate the number of injuries reported by a given employer.

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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

Ask the Experts: Making Sense of Certificates

Certificate requests are very common for the CSD Pool and for insurance companies in general. Many third parties require verification of coverage when interacting with districts. These third parties can be lenders, banks, event planners, or even the DMV.

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July 17, 2017

Ask the Experts: Waivers

An injury is not compensable if it occurs as a result of an employee’s participation in a voluntary recreational activity or program, regardless of whether the employer promoted, sponsored, or supported the recreational activity or program.

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July 17, 2017

Ask the Experts: Underground Property

While we specifically exclude coverage for underground property, there is an exception for underground property that is specifically scheduled and properly valued. Storage tanks, wells, and pipes are often overlooked when updating scheduled property.

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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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