Category Archives: Coverage

Articles that discuss Pool coverage, programs, services, and other advantages of Pool participation.

Ask the Experts: Waivers

An injury is not compensable if it occurs as a result of an employee’s participation in a voluntary recreational activity or program, regardless of whether the employer promoted, sponsored, or supported the recreational activity or program.

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CFH Trust Expands to Help Firefighters Cope with Catastrophic Illness

Starting this month, the Colorado Firefighter Heart and Circulatory Benefits Trust will officially become the Colorado Firefighter Heart and Cancer Benefits Trust (CFHC Trust). This change comes on the heels of Governor Hickenlooper’s signing of Senate Bill 17-214, which makes it possible for the CFHC Trust to provide coverage for five statutorily covered cancers similarly to providing benefits for heart and circulatory malfunctions to firefighters

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Ask the Experts: TULIP Coverage

While the district doesn’t need special coverage for such events, the event organizer may be well-advised to obtain it. Summer is filled with endless activities such as festivals, and outside organizers often host these exciting events at district facilities. This can be a huge headache for the district if someone is injured or if there is damage to property.

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Ask the Experts: Underground Property

While we specifically exclude coverage for underground property, there is an exception for underground property that is specifically scheduled and properly valued. Storage tanks, wells, and pipes are often overlooked when updating scheduled property.

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Ask the Experts: Covenant Enforcement

Members must disclose their participation in covenant enforcement for underwriting purposes and remit a nominal charge based on the number of homes. This allows us to provide coverage for any unforeseen risks involved with this type of exposure without having to raise rates for every member.

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Ask the Experts: Scheduling Manholes and Pipelines

The Pool provides coverage for underground (UG) pipes but only if they are within 1,000’ of a scheduled location and coverage is limited to damage from fire or explosion. If a district schedules manholes and UG pipelines, there is coverage for direct physical damage from anything not normally excluded.

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Are you Traveling Bare? UPDATED

There are many reasons why a special district might send employees abroad or out of state on business. It is important that members notify the Pool of the travel prior to making the arrangements. Many districts are not aware that employees traveling on district business internationally may not be covered for workers’ compensation if the destination is on Pool’s insurance carrier’s restricted list.

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2017 Coverage Enhancements

The CSD Pool’s continued growth has given us the opportunity to further expand our coverages. There are several new enhancements that we are excited to share with you. These improvements are all effective January 1, 2017 and all come at no additional cost.

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Board Member Coverage 101

Workers’ Compensation laws require that you carry coverage for your board members, but there are caveats that most people are not aware of.

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Meet TRISTAR Indemnity Adjuster Mike Hawkins

We invite our members to meet Mike Hawkins who will be working on behalf of the CSD Pool.

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