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The  Colorado Special Districts Property & Liability Pool provides “one-stop shopping” for all the insurance needs of our Colorado special districts. The application process is quick and easy.

Please complete the quote form and one of our knowledgeable staff members will contact you.

Here are brief descriptions of coverages that are offered by the Pool. These descriptions are intended for informational purposes only and will in no way replace the terms, conditions, exclusions or limits as contained in actual member coverage documents or policies.

Workers’ Compensation Coverage:

Colorado law requires that all employees and Board Members be covered by Workers’ Compensation. It is generally defined as a schedule of benefits payable to an employee for injury, disability, dismemberment, or death as a result of occupational hazard. The payments are a liability of the employer/district. To waive Workers’ Compensation requirements for Board members, a formal Resolution must be passed by the Board evidencing same. The Pool offers a very competitive Workers’ Compensation coverage program.

 General Liability Coverage:

A form of insurance designed to protect the district and its Board from a wide variety of liability exposures. These exposures could include liability arising out of accidents resulting from the premises or the operations of a district, and some types of contractual liability.

Employment Practices Liability:

This coverage is designed to protect the district and its Board for claims brought by employees (current, future and/or past) for damages arising from negligent employment practices such as wrongful termination or hiring, harassment, sexual harassment, and/or whistleblower allegations. This is covered within the Pool’s Public Entity Liability coverage form.

Public Officials Liability:

This coverage is also included within the Pool’s form. It protects the district for claims or suits alleging the wrongful acts and/or errors and omissions of the district’s Board, employees and/or volunteers. This coverage is normally excluded in a General Liability policy, and often must be purchased separately. However, is covered within the Pool’s Public Entity Liability coverage form.

Employee Benefit Administration Liability:

Covers administrative errors and omissions such as neglecting to add someone to the district’s health insurance plan, providing individual instead of family coverage, etc. This is covered within the Pool’s Public Entity Liability coverage form.

Auto Liability:

Liability arising from the use, maintenance and/or operation of district-owned vehicles. Districts must schedule vehicles for coverage to apply.

Auto Physical Damage:

Physical loss or damage to a district vehicle resulting from collision, or other covered perils. Options are available for either actual cash value or replacement cost valuation. Districts must schedule vehicles for this coverage to apply.

Non-Owned Auto Liability:

Liability of the district arising from the use of autos that are not owned and/or leased by the district. This frequently occurs when an employee or Board Member uses his or her own vehicle for the business activities of the district. This coverage is excess to any other more specific liability insurance on the vehicle.

Excess Liability:

The Pool offers up to $9,000,000 in additional Liability limits per occurrence, excess of the Pool’s underlying Liability coverages.

Property Coverage:

The Pool will cover a district's scheduled property for “All Risks” of direct physical loss or damage (per coverage terms, exclusions and conditions). The district must have an insurable interest in the property (i.e. suffer a financial loss in the event it is lost or damaged) and it must be identified as a subject of coverage on the district’s Property schedule.

Quote Form

Any information provided by you to the Pool will be used only for internal membership purposes - it will not be voluntarily communicated in any way to other organizations or individuals.

District Name
Street Address
Which of the following coverages would you like more information about?
All Coverages
Workers' Compensation
General Liability
Public Officials Liability
Automobile Liability
Property Coverage
Boiler & Machinery
Money & Securities
Crime Coverage

Earthquake & Flood Coverage:

The Pool offers, free of charge, $2,000,000 Earthquake & $2,000,000 Flood per coverage period for those districts that participate in the Property coverage.

Boiler & Machinery / Equipment Breakdown:

The Pool has arranged coverage for losses involving the sudden and accidental breakdown of electrical, mechanical and/or air conditioning/refrigeration equipment. Jurisdictional inspections are also available. The coverage is written on a group purchase program with Hartford Steam Boiler (HSB).

Crime Coverage:

To assist districts in satisfying their legal obligations to the State of Colorado, the Pool offers a comprehensive Crime program through Fidelity & Deposit Co. of Maryland. This is a group purchase program that districts can access through the Pool offering limits from $5,000 to $5,000,000 and also provides Faithful Performance for the district’s Board Members, and Corporate Fidelity on their Board Treasurer. This coverage also provides employee dishonesty, computer fraud, forgery and alteration and has been enhanced to include Computer Fraud, Transfer Fraud, Debit, Credit and Charge Card Forgery.