CIRA
• 53 Members
• Total payroll over $420 million
• Largest payroll member – Watsonville, $42 million
• Smallest payroll member – Amador City, $36,000
• Average payroll $8.4 million
• Largest pop. – Rancho Cucamonga @ 200,000
• Smallest pop. – Amador City @ 190
• Approximately 70% of the members have public safety
Programs
Liability Program Coverage Layers
EXCESS INSURANCE
Multiple Insurers
$35 Million excess of $5 Million
CIRA Liability
$1 Million less Member
Retention
$500k$350k$250k$100k$50k$25k
$10k
$5k
$100k
$250k
$10k
$25k
$50k
$5k
PRISM
$4 Million
excess of $1 Million
ERMA EPL
$1 Million less Member
Retention
Claims Administrator
Liability Program, What and Who are Covered
• Covered Events:
• Automobile liability
• Public Official Errors and Omission
• Personal and Bodily Injury
• Property Damage
• Who are Covered:
• Employees
• Elected or Appointed Officials
• Volunteers
• Boards or Commission Governed by City Council
• Additional Covered Parties required by contract
Liability Program, What is not Covered
• Aircraft or Airport Operations
• Breach of Contract
• Dams
• Disability Accommodation Expenses
• Fixed Route Transit Operations
• Employee Benefits Plans
• Employee Injuries
• Land-use Regulations
• Medical or Healthcare Operations
• Use of Firearms by non peace officers
Employment Practices
• Coverage is provided through
participation in the Liability
Program
• CIRA covers losses above SIR
to $250,000
• ERMA covers losses above
$250,000 to $1 million
• Excess coverage provided by
PRISM above $1 million
ERMA / CIRA offers
• Risk Management Training
(on site/online)
• Free Attorney Advice Hotline
• Employee Hotline
• LCW Consortium
Workers’ Comp. Coverage Layers
EXCESS INSURANCE
Safety National
Statutory Limits excess of $500,000
CIRA WC
$500,000
less Member Retention
$250k$150k$100k$50k$25k
$10k
$5k
Gray Insurance
$500,000 excess of $500,000
Claims Administrator
Group Purchased
• PRISM Property Program
• All risk replacement cost coverage, auto physical damage, boiler/machinery, course of construction, etc.
• Special Events Program
• Affordable coverage for individuals using public facilities • Fidelity Bond Program
• Protection against employee theft and fraud
• Cyber Program
• Breach response, extortion loss, data recovery, employee notification • Employee Benefits
• Medical, Dental, Vision, LTD and Life Insurance
Member Services
Consultation and Referral Services
Customized Risk Management Presentations
Video and Print Resource Libraries
Regional and On-Site Risk Management Training
Web-based OSHA-compliant Safety Courses
Web-based Employment Practices Courses
On-Site Risk Assessments
Post-incident Assistance and Mitigation
Operational Best Practice Templates
Lexipol Policies and Daily Training Bulletins for Law Enforcement and Fire Free Consultation with Top Employment Law Firms
Liebert Cassidy Whitmore (LCW) Consortium Membership
Grant program
DMV Pull Program
DOT Drug Screening Program
Defensive Driver Training
… and more!
www.cira-jpa.com