Category Archives: Coverage

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

Ask the Experts: Subrogation

Subrogation refers to the act of substituting one thing for another. In the case of a covered loss, it means substituting one person (a third party found to be at fault) for another person (the original covered party).

Tagged , | Comments Off on Ask the Experts: Subrogation

What’s New for January 2018

Thirty years ago, one hundred sixteen districts engaged in an experiment. They banded together to form what would become the CSD Pool because the traditional insurance market deemed them uninsurable. We want to thank our founding members—and all current members—for your loyalty and commitment to the Pool and its mission over the past three decades

Also posted in Pool Updates | Tagged , | Comments Off on What’s New for January 2018

Ask the Experts: Making Sense of Certificates

Certificate requests are very common for the CSD Pool and for insurance companies in general. Many third parties require verification of coverage when interacting with districts. These third parties can be lenders, banks, event planners, or even the DMV.

Tagged , , | Comments Off on Ask the Experts: Making Sense of Certificates

Putting Auto Claims into Perspective

Smartphone cameras now boast megapixels, units of image resolution, comparable to actual digital cameras, giving consumers the ability to capture images with surprising clarity. There are many instances where a handy camera can prove invaluable, and a car accident is one of them.

Tagged , , | Comments Off on Putting Auto Claims into Perspective

2018 Property and Liability Renewal Details

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

Tagged , | Comments Off on 2018 Property and Liability Renewal Details

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.

Also posted in Human Resources, Training | Tagged , , , | Comments Off on Ask the Experts: Waivers

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

Also posted in Loss Prevention | Tagged , , , , , | Comments Off on CFH Trust Expands to Help Firefighters Cope with Catastrophic Illness

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.

Tagged , , , | Comments Off on Ask the Experts: TULIP Coverage

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.

Tagged , , | Comments Off on Ask the Experts: Underground Property

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.

Tagged , , , | Comments Off on Ask the Experts: Covenant Enforcement