Joint Powers Risk and Insurance Management Authority
Your Insurance Partners Beyond the Policy
Property & Casualty
CalMutuals JPRIMA provides high quality and cost-effective Property & Liability insurance to protect and enhance assets and operations and reduce overall risk management costs. While many carriers offer property and liability coverage, CalMutuals JPRIMA entertains high risk accounts and offers the creative underwriting expertise to craft policies designed to meet each water system’s needs.
In addition to quality insurance, JPRIMA Policy Holders receive:
Efficient and effective claims, underwriting, distribution and risk control services.
Technical support, continuing education, safety engineering and operational and managerial assistance
Resource to further technical, managerial, and financial capacity.
Residuals from CalMutuals JPRIMA insurance proceeds are invested in programs and services to support small systems and disadvantaged communities.
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JPRIMA Coverage Checklist
Property policy includes Blanket protection without a coinsurance penalty for all your scheduled locations and separate Blanket protection for key coverages such as business income and extra expense.
Property policy includes special extensions such as Unintentional Errors, Off Premises Utility Services, SCADA Upgrades (above replacement cost), Property in Transit, Contract Penalties, Rental Reimbursement – Mobile Equipment, and Water Contamination Notification Expense.
Property policy includes Contamination for $100,000 (not limited to just ammonia), Pollution Remediation Expense for either $250,000 (Specified Cause of Loss)* or $100,000 (Covered Cause of Loss), Outdoor Property (w/ windstorm) for $100,000, and $50,000 for Fungus, Wet Rot or Dry Rot.
Crime policy provides minimum limits of $100,000 for Employee Dishonesty, Theft of Money & Securities, Computer Fraud, Funds Transfer Fraud, and Money orders.
General Liability policy includes aggregate limits of $10,000,000 as well as special coverage for Water & Wastewater Testing E&O, Waterborne Asbestos, Lead, Fungi & Bacteria, Product Recall, and Impaired Property.
General Liability policy includes Failure to Supply Water and Dam Failure Liability as well as Pollution for your potable water, treatment chemicals, natural gas, hostile fire, smoke drift, sewer or wastewater backup/line breaks, and any pollution event that is sudden & accidental.
Public Officials & Management Liability policy includes aggregate limits of $10,000,000 for Wrongful Acts, Employment Practices, and Employee Benefit Plans as well as inverse condemnation and outside directorship.
Automobile policy includes $100,000 Hired Physical Damage, $75 per Day Rental Reimbursement/Towing, and Fleet Automatic.
Excess Liability insurance policy follows the coverages in your underlying policies.
Cyber Liability policy includes Credit Monitoring Costs for $1,000,000 without a deductible or retention.
*180 day reporting period required
This chart is only a brief illustration of our program and may contain unintentional inaccuracies, outdated material or coverages not included in our quotations. You must refer to the actual Memorandum of Coverage (MOC) for a description of coverages, exclusions and conditions. Specimen MOCs are available for review and analysis.
JPRIMA Product Guide
Proprietary Policy Form
Property, Equipment Breakdown & Mobile Equipment
No Coinsurance Penalty
Blanket Policy Limit
Business Personal Property
Blanket Coverage Extension Limit
A separate limit applies to the following:
Extended Business Income
Tenant Leasehold Interest
Preservation of Property
Coverages Specific to Water Related Entities
Property in Transit
Pollution Remediation Expenses
Fungus, Wet Rot or Dry Rot
Backup/Overflow of Water from Sewer, Drain, Sump
Water Contamination Notification Expenses
Lock and Key Replacement
Rental Reimbursement – Mobile Equipment
Business Personal Property at New Locations
Indoor & Outdoor Signs (unscheduled)
New Locations or Newly Constructed Property
Ordinance or Law Provision
Outdoor Property (unscheduled)
Patterns, Dies, Molds, Forms
Personal Effects & Property of Others
Tools & Equipment Owned by Your Employees
Trees, Shrubs & Plants
Unintentional Errors & Omissions
Valuable Papers & Records
Proprietary Policy Form
Employee Benefit Plans
Available Coverage for Designated Agents
Forgery or Alteration
Inside The Premise – Theft of Money & Securities
Inside The Premise – Robbery or Safe Burglary
Outside The Premise
Funds Transfer of Fraud
Money Orders & Counterfeit Paper Currency
Proprietary Policy Form
Duty to Defend
Broad Definition of Insured
Blanket Additional Insured
$10M Aggregate Limit
Failure to Supply Water (no sublimit)
Water & Wastewater Testing E&O
Sewage from Backups & Breaks (no sublimit)
Fire Damage Legal Liability
Dam, Levee & Dike Structural Failure & Existence Hazard