Don’t let disasters scare you. As a member, you can keep working through catastrophes. Our program helps members respond to flood, landslide, fire, hail, and wind damage.
You have options that can protect your property. Our coverage can help your team to snap back from anything.
Coverage Highlights
All-risk form tailored to special districts
$2,000,000 Earthquake and $2,000,000 Flood included
Flood Zone A coverage is automatic with scheduled property
Errors and Omissions in scheduling property
Business Interruption included with no waiting period and options for higher limits
Free onsite safety inspections
Terrorism and Malicious Attack coverage
Available Features
Equipment Breakdown
Free onsite appraisals (some limitations apply)
Scheduled Underground Water and Sewer Infrastructure
Guaranteed replacement cost for fire districts
Limited Pollution on scheduled premises
Property Coverage Comparison
CSD Pool
Insurance Companies
Flood Coverage
✔
Typically excluded
Earthquake Coverage
✔
Typically excluded
Ingress and Egress Coverage
✔
✔
Business Interruption Coverage
✔
✔
Electronic Data Processing Coverage
✔
✔
Scheduled Underground Water and Sewer Infrastructure
✔
Not typically included
Errors and Omissions in Scheduling Property
✔
✔
Money and Securities
✔
✔
Wells and Storage Tanks
✔
Typically excluded
Acts of Terrorism and Sabotage
✔
Typically excluded
Property Coverage Overview
Overview
What does it cover?
Districts that need this:
Our Property program covers district assets from direct physical loss or damage.
Damage to the district’s scheduled structures
Own the building(s) they occupy
Damage to the district’s scheduled contents, equipment, records, inventory, etc.
Use their own furniture in a leased office space
Business income
Rely on revenue from their business operations
Have computers or other valuable equipment and hardware
Loss Scenario
What we would cover:
A district’s facilities are damaged in a severe regional flood. Access to their facility is limited.
Damage to the district’s scheduled flood-damaged structures
Clean up of their grounds and facilities regardless of the source of the debris
Costs associated with transportation or lodging of employees to accommodate limited access to facilities
Lost revenue due to damaged structures
Several district buildings and vehicles are damaged in a severe hail storm
All scheduled property, requiring only a single deductible
Rental car payments if a vehicle is totaled
Lost revenue if operations are shut down as a result of the storm
Equipment Breakdown Coverage Overview
Overview
What does it cover?
Districts that need this:
Our Equipment Breakdown program covers district assets from direct physical loss or damage.
Damage or losses involving equipment that generates, transmits, or utilizes energy
Districts that own equipment that generates, transmits, or utilizes electricity (HVAC, boilers, pumps, etc.)
Damage or losses involving data processing equipment
Districts that own electronic equipment that processes data (servers, computers, etc.)
Loss Scenario
What we would cover:
An unexpected electrical short damages a building’s HVAC system.
Damage to the district’s scheduled equipment
Any food or perishable goods spoiled due to lack of refrigeration or climate control
Lost revenue if the building is shut down as a result of the outage
Colorado Special Districts Property and Liability Pool (the "District") is committed to ensuring that its services are accessible to all
members of the public. As part of this commitment, the District strives to provide an accessible website compatible with
the Web Content Accessibility Guidelines (WCAG) version 2.1, AA, and commercial screen reading software. Features of the
website are created to allow individuals with vision and other impairments to understand and use the website to the same
degree as someone without disabilities.
If you need any special assistance or accommodations:
Contact our compliance support team via telephone at: (888) 765-1970
Ongoing Compliance Information
Compliance Coordinator
The District has designated a Compliance Coordinator for website disability-related accommodations. The Compliance
Coordinator has received training in website accessibility and updates the site in accordance with those best
practices and requirements.
Compliance Procedures
The District is working to ensure all website content complies with the Americans with Disabilities Act
and controlling State laws. In an ongoing effort to continually improve and remediate accessibility issues,
the website is regularly scanned to ensure ongoing compliance, and timely changes are made to any inaccessible
content if found.
Accessible Documents Policy
The District is committed to providing all documents hosted on the website in an accessible format or making accessible
alternatives available.
Linked Documents and Third Parties
Please note that this site may link out to third-party websites that do not have accessible content. This site may
also include documents provided by third parties. While we cannot control the accessibility of content provided by
third parties, we are happy to assist any member of the public with reading and accessing content on our site.
Report a Website Accessibility Issue
We are committed to your ability to access all content, and we will respond to all requests in a timely manner.
If you need assistance or accommodations while accessing content on this website, please contact our Compliance
Coordinator via the form below: