Chino City Council
June 3, 2025

General Liability Coverage Comparison
Provider Deductible and Premium Rate Estimates Financials Governance Coverage Limits Services Safety National
(City's current
provider)
$5 million deductible at $1,286,646 Guaranteed cost Not applicable $25 million per occurrence and aggregate
Limited risk control services and
outsourced
CIRA - California
Intergovernmental
Risk Authority
$1 million deductible at $1,569,784 Good financials and no assessments Voting member on board
5 year membership
commitment
$40 millon per occurrence and no
aggregate In-house full risk control services
PRISM - Public Risk
Innovation Services
Management
$1 million deductible at $1,448,247Good financials and no assessmentsLimited representation $40 million per occurrence and no aggregate In-house limited risk control services
CJPRMA - California
Joint Powers Risk
Management Authority
$750,000 deductible at $1,562,706
$1 million deductible at $1,451,913
$1.25 million deductible at $1,374,737
$1.5 million deductible at $1,308,450
Adequate financials and recently
assessed members
Voting member on board
3 year membership
commitment
$40 million per occurrence and no
aggregate No risk control services
CARMA - California
Affiliated Risk
Management Authority
$1M deductible at $1,801,905 Good financials and no assessments Voting member on board $34.5 million per occurrence and no
aggregate
Does not cover employment
practices liability
No risk control services
PERMA - Public Entity
Risk Management
Authority
No estimate as they only provide up to a
$500,000 deductible
Adequate financials and recently
assessed members Voting member on board$50 million per occurrence and no aggregate
Limited risk control services and
outsourced
CJPIA - California
Joint Powers
Insurance Authority
CJPIA not interested in providing an
estimate Good financials and no assessments Limited representation$50 million per occurrence and no aggregate In-house full risk control services
Workers' Compensation Coverage Comparison
Provider Deductible and Premium Rate Estimates Financials Governance Coverage Limits Services Safety National
(City's current
provider)
$750,000 deductible for non-safety and $1 million
deductible for safety at $356,089 Guaranteed cost Not applicable Statutory LimitsLimited risk control services and outsourced
CIRA - California
Intergovernmental
Risk Authority
$500,000 deductible at $362,351 Good financials and no
assessments Voting member on boardStatutory LimitsIn-house full risk control services PRISM - Public Risk
Innovation Services
Management
Available deductibles:
$250,000, $350,000, $500,000, $750,000, $1 million
PRISM unable to provide estimates without a
completed application
Good financials and no
assessments Limited representation Statutory LimitsIn-house limited risk control services
LAWCX - Local
Agency Workers'
Compensation
Excess
Available deductibles:
$250,000, $350,000, $500,000, $750,000, $1million
LAWCX did not respond to request to provide
estimates
Adequate financials and recently
assessed members Voting member on boardStatutory LimitsLimited risk control services and outsourced