Category Archives: Coverage

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

2019 Property and Liability Renewal Details

It’s that time of year again! Make sure you stay in-the-know with 2019’s Property and Liability Renewal Details.

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Ask the Experts: Third-Party Claims

The experts answer questions about statutes of limitations for third-party claims. Find out how to handle third-party incidents in your district.

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Ask the Experts: Independent Contractors

CSD Pool’s expert, Lei Shi, answers how independent contractors are covered under our Workers’ Compensation coverage.

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Ask the Experts: Fraud and Embezzlement

Approximately 76% of districts that purchase Crime coverage only buy the minimum. While $5,000 may seem sufficient, you don’t need a lot of imagination to think of a scenario in which you’d find yourself grossly underinsured.

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Ask the Experts: Hail Coverage

As we all know, hail in Colorado can cause a huge amount of damage. The damage and repairs from hail storms can lead to lost business and service interruptions. In the past five years, we have paid out more than $6 million for losses caused by hail, which includes over $1 million each in 2016 and 2017.

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Ask the Experts: Reporting Payroll for WC Coverage

It is very important that you be as accurate as possible. As you may know, workers’ compensation contributions are based on the job duties and payroll of those covered.

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Ask the Experts: What is Business Income coverage?

The CSD Pool includes up to $250,000 for Business Income including Extra Expense/Rental Income for a covered loss. Business Income will pay for net profit or net income that would usually be earned by normal operations had there not been a loss, including payroll.

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Ask the Experts: Flood coverage

Unlike outside flood programs, ours is automatic for all scheduled property. We cover your assets for up to $2,000,000. For some, this limit may cover the repair of their facilities.

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Ask the Experts: Notice of Occurrence

A notice of occurrence simply means notifying your insurance company of an incident, which can help your organization in several ways: preventing further damage to its property as well as paying fewer out-of-pocket costs.

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Ask the Experts: What are ‘incident rates’ and how are they calculated?

You may not be familiar with the concept of an incident rate because, unlike most employers, special districts are not required to report workplace injuries and fatalities to OSHA. The incident rate is a benchmark created by OSHA to illustrate the number of injuries reported by a given employer.

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