About Us

The Colorado Special Districts Property and Liability Pool was formed in 1988 when few other choices were available for public entities. Insurance companies held the view that public entities were not an insurable risk – many districts could not get coverage and/or could not afford the high rates.

Unlike standard insurance companies, the Pool is an organization whose only purpose is to provide high quality services to Colorado special districts. Pool Members are not just purchasing insurance, they are investing in a long term strategy to control and reduce future insurance expense.

Since 1988, the Pool has grown to over 1161 members participating in the Property & Liability and Workers’ Compensation programs.

As the Pool matures and builds more surplus, it provides financial security for its Members and allows Members to design and meet their own coverage needs. Enhancements to standard industry coverage are driven by the needs of Pool Members and include (subject to the Pool’s Coverage Document terms, conditions and limits):

• Pre-Loss Legal services
• Bonds / Securities
• Sexual Molestation, Tortuous Physical or Sexual Contact
• Mold, Fungus
• No-fault Water and/or Sewer Back-Up
• Expanded Pollution Liability
• Special Events coverage
• Liquor Liability
• Workers’ Compensation coverage with $2 million Employers Liability limit
• Excess Liability limits

The Pool has more than fulfilled its mission of giving special districts a reasonable responsible alternative to the standard insurance market, and has become a valuable asset to special districts throughout Colorado.

For more information, please contact the Pool toll free at: