Find out more about what working from home means for workers’ compensation.
READUnlike 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.
READA 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.
READYou 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.
READSubrogation 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).
READCertificate 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.
READAn 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.
READWhile 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.
READMembers 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.
READThe 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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