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2019 Property and Liability Renewal Details

This year the Pool is able to offer rate changes between a 2% decrease and 3% increase, based the claim performance of each district type.

  • The hail surcharge for buildings located within the Front Range and East Slope Foothills will increase by 10%. This increase can be offset with the Hail Deductible endorsement or Cosmetic Damage Waiver endorsement. Each endorsement applies an 11% credit to building contributions, and one or both may be used to offset the total hail surcharge
  • This year the hail surcharge will also apply to Other than Collision Auto Physical Damage (OTC). A 7% surcharge will apply to the OTC portion of auto coverage for members located in the designated hail counties
  • The minimum rate for members that perform architectural control, design review, and covenant enforcement is $260 for 130 homes or less, with a $1 charge for the next 1,000 homes, and then $0.25 for each additional home
  • The rate for Excess Flood coverage will increase by 10%

Members may also see increases or decreases in contributions due to other changes such as:

  • New or updated exposures such as operating expenses, values of scheduled items, added property, number of vehicles, number of employees, or payroll changes
  • Change in individual member loss experience over an eight-year period
  • Building values and contents values are trended for inflation – less than 3% for 2019

The Pool offers many discounts, so plan ahead when gathering information for your district’s renewal:

  • 8% Multi-Program discount on the Property & Liability contribution when Workers’ Compensation is also placed with the Pool
  • 33% discount on sanitation operations for participation in the Sanitation Maintenance Warranty Program
  • 3% Continuity Credit for members that have been with the Pool since 2010. Credits are increased each year, up to a total of 20% for members with good claims experience
  • Increasing deductibles – the average cost savings by coverage line is 10% to 25%
  • 11% discount each for adopting the Hail Deductible and/or the Cosmetic Damage Waiver endorsements

2019 P&L Renewal Timeline

October 31 – All districts’ online renewal updates should be completed

December 1 – Districts that do not complete the online renewal will automatically receive 2018 invoices with a 10% increase above the prior year’s contributions to account for anticipated growth and inflation
Thank you for renewing your coverage with the CSD Pool. Should you have any questions, please do not hesitate to contact us at 800-318-8870:

Workers’ Compensation: If your Workers’ Compensation coverage is not with the Pool, please contact Jenniffer Alvarado or Lei Shi at 800-318-8870 for a proposal, or email a copy of your current policy to

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