Coverage Information

BCJPIA members are protected through a variety of pooled coverages, as well as employment liability coverage through the Employment Risk Management Authority (ERMA), excess liability coverage through the California Affiliated Risk Management Authority (CARMA), and excess workers’ compensation coverage through the Local Agency Workers’ Compensation Excess JPA (LAWCX).

Pooled Liability

BCJPIA provides general liability, auto liability, and omissions coverage for its members in excess of each member’s retained limit, or self-insured retention (SIR), up to $1,000,000 per occurrence. Each member retains the portion of every loss that falls within its SIR, ranging from $5,000 to $1,000,000.

Through its membership with CARMA, when losses exceed the $1,000,000 per occurrence limit, CARMA provides excess coverage. The third-party claims administrator for the BCJPIA Pooled Liability Program is Acclamation Insurance Management Services (AIMS).

Workers’ Compensation

We provide coverage for workers’ compensation losses incurred under the State of California workers’ compensation laws and statutes and within the limits of program coverage. BCJPIA claims are administered by our third-party claims administrator, Innovative Claims Solutions (ICS).

Excess workers’ compensation coverage is provided through LAWCX. The Pooled Workers’ Compensation Program provides coverage in excess of various limits retained by the members. BCJPIA retains the first $1,000,000 of each loss for workers’ compensation and employer’s liability and shares the risk among the members. Additional excess coverage is provided through LAWCX and other excess partners. For more information about this program and the layers of excess coverage in place, please contact our staff.

Pooled Property Program

The risk-sharing All-Risk Property Program covers the member’s buildings, building contents, and vehicles parked on entity premises. The coverage limit is primarily based on the scheduled Total Insured Values (TIV) of the member’s property. In most cases, the coverage provides replacement cost coverage without reduction for depreciation. This program provides coverage from the members’ deductible of $10,000 or $50,000 to the Alliant Property Insurance Program (APIP) deductible of $250,000. The APIP portion of the program also provides coverage for the sudden and accidental breakdown of boiler and machinery equipment.

Safety & Risk Control

The BCJPIA Risk Control Program provides occupational safety and health and risk control consulting services designed to assess risk exposures, identify internal processes to control risks, and create and maintain effective risk management systems. This includes customized safety and risk control assessments and the development of best management practices that encourage accountability for risks. The BCJPIA Safety and Risk Control Service Plan is developed each year by the Risk Control Manager and is approved annually by the Board of Directors.

APD Program

BCJPIA provides auto physical damage (APD) coverage for program members. The APD Program is a risk-sharing APD pool that provides coverage for comprehensive and collision damages that exceed $1,000 up to the Alliant Property Insurance Program (APIP) deductible.

EPL Coverage

BCJPIA obtains primary layer employment practices liability coverage through ERMA. ERMA provides broad coverage up to $1,000,000 per occurrence, for employment practices liability and tailored loss prevention services to reduce employment practices liability exposure of its members.

Cybersecurity

BCJPIA provides a robust cyber liability program with coverage up to $5 million. BCJPIA also provides annual cyber evaluations to all cyber program members conducted by BCJPIA’s Cyber Risk Manager. The Cyber Risk Manager also provides ongoing support and resources, such as tabletop exercises, policy development, and current cyber news updates.

Employment Risk Management Authority

BCJPIA members are also members of ERMA. The program provides employment practices liability (EPL), including wrongful termination, discrimination, harassment, and retaliation. ERMA focuses on services, training, and litigation management.

Learn about ERMA ERMA Documents (sign in required)

California Affiliated Risk Management Authority

BCJPIA members receive excess liability coverage through CARMA, a joint powers authority dedicated to protecting its members from the financial impact of serious third-party claims and suits, including errors and omissions. Members also have access to the High Exposure Liability Prevention Program (HELPP) program.

Learn about CARMA CARMA Documents (sign in required)

Local Agency Workers' Compensation Excess JPA

LAWCX provides excess workers’ compensation coverage with a range of retained limits. In addition, BCJPIA members can also utilize LAWCX’s risk control program and services.

Learn about LAWCX LAWCX Documents (sign in required)