General Liability

Liability Coverage LayersThe Liability Program is one of two membership programs and provides coverage to $35 million per occurrence for general and automobile liability and public officials errors and omission as outlined in the Memorandum of Coverage PARSAC self-funds coverage up to $1 million; losses that exceed this amount are covered via the CSAC Excess Insurance Authority (CSAC-EIA).

Participants self-insure ("retain") the first portion of each loss. Self-Insured Retention (SIR) options range from $5,000 to $750,000. This risk sharing program requires members to maintain three times the SIR in a reserve fund and carries a minimum premium contribution of $20,000 plus excess premium. Regardless of the SIR selected, PARSAC provides its members with proactive claim oversight and litigation management by working closely with each Member and their claims administrator.

Employment Practices Liability coverage (EPL) is a component of the Liability program with coverage provided by the Employment Risk Management Authority (ERMA) up to $1 million per occurrence; coverage above ERMA is provided by CSAC-EIA up to the Liability Program limits. Details regarding claims reporting, training and other services available through ERMA are available in the Quick Reference Handbook.

PARSAC also provides cost-effective, qualified defense counsel through the Liability Defense Panel. This highly recognized Panel includes attorneys and firms statewide who have proven success in all areas of public entity defense including law enforcement, civil rights, land use, and dangerous conditions of public property.

The Liability Program is experience-rated, meaning member contributions are adjusted based on loss experience. This method ensures equitable distribution of risk and stable rates. Experience-rating also provides each member with an opportunity to effectively reduce their individual contribution by actively practicing loss prevention.



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