Comprehensive General Liability program

Property and Miscellaneous Coverage $600 million Limits Per Loss

Workers’ Compensation - Statutory Limits/$5 million Employers Liability

 


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Comprehensive General Liability Program  - $50 million Per Occurrence Limits

GSRMA participates in the CSAC-Excess Insurance Authority (EIA) General Liability Program for excess liability coverage. The program is one of the largest public agency excess pooling programs in the country. The size and reputation of the program provides unmatched stability and leverage in the insurance market.  GSRMA schools participate in both the CSAC-EIA program and Schools Excess Liability Fund (SELF), which provide member schools coverage that is designed specifically for education risks.

  • First-dollar coverage - no member retention or deductible for liability losses
  • Bodily injury & property damage
  • Personal injury
  • Public officials errors & omissions
  • Automobile liability
  • Contractual liability
  • Employment practices liability
  • Pollution liability and crime-bond coverage are provided with separate limits

Property and Miscellaneous Coverage $600 million Limits Per Loss

GSRMA participates in the CSAC-EIA Property Program. The unique structure of the program diversifies risk geographically throughout the State. This innovative approach reduces the impacts of large losses to the individual members and insurers. The program is insured by numerous separate insurance carriers further stabilizing the program and protecting against carrier insolvency due to large losses.  In addition to property coverage, GSRMA members have access to reduced cost coverage for watercraft, medical malpractice, aviation and other exposures.

  • Low member deductibles
  • All-risk, full replacement cost coverage
  • Real and personal property
  • Automobile, mobile equipment, watercraft, boiler and machinery
  • Flood coverage included
  • No co-insurance clause
  • Optional earthquake,  and aviation/airport coverage

Workers’ Compensation - Statutory Limits/$5 million Employers Liability

GSRMA participates in the CSAC-EIA Excess Workers’ Compensation (EWC) Program. The EWC has the financial strength and stability to remain strong in all market conditions. The program utilizes pooled, fully-insured and quota-sharing coverage layers to spread risk. The GSRMA Workers’ Compensation Program provides its members with stable, competitive rates through responsible funding and administrative efficiency.

  • First-dollar coverage - no member retention or deductible for workers’ compensation claims
  • Complete self-administration of claims
  • Coordinated phone-in reporting and injury triage
  • Customized return-to-work programs
  • Nationally recognized for innovative claims management solutions