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.

Download the brochure . . .

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
  • Real Property
  • Business Personal Property
Blanket Coverage Extension Limit

A separate limit applies to the following:

  • Business Income
  • Extended Business Income
  • Civil Authority
  • Commandeered Property
  • Extra Expense
  • Tenant Leasehold Interest
  • Electronic Data
  • Preservation of Property
Coverages Specific to Water Related Entities
  • Property in Transit
  • Mobile Equipment
  • Pollution Remediation Expenses
  • Fungus, Wet Rot or Dry Rot
  • SCADA Upgrades
  • Contamination
Additional Coverages
  • Accounts Receivable
  • Arson Reward
  • 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
  • Collapse
  • Contract Penalties
  • Debris Removal
  • 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
  • Utility Services
  • Valuable Papers & Records



Proprietary Policy Form
  • Faithful Performance
  • Employee Benefit Plans
  • Available Coverage for Designated Agents
  • Employee Theft
  • Forgery or Alteration
  • Inside The Premise – Theft of Money & Securities
  • Inside The Premise – Robbery or Safe Burglary
  • Outside The Premise
  • Computer Fraud
  • Funds Transfer of Fraud
  • Money Orders & Counterfeit Paper Currency


Proprietary Policy Form
  • Duty to Defend
  • Nonauditable
  • Broad Definition of Insured
  • Blanket Additional Insured
  • $10M Aggregate Limit
Coverage Extensions
  • Failure to Supply Water (no sublimit)
  • Water & Wastewater Testing E&O
  • Medical Payments
  • Sewage from Backups & Breaks (no sublimit)
  • Fire Damage Legal Liability
  • Pollution Liability
  • Contractual Liability-Railroads
  • Dam, Levee & Dike Structural Failure & Existence Hazard
  • Lead from Potable Water
  • Product Recall Exceptions
  • Impaired Property Exceptions
  • Waterborne Asbestos from Potable Water
  • Watercraft
  • Nonowned Aircraft


  • Combined Single Limit
  • Uninsured Motorists
  • Hired & Non Owned Auto Liability
  • Medical Payments/ Personal Injury Protection
  • Hired Physical Damage
  • Comprehensive & Collision
  • Fleet Automatic
  • Towing & Rental Car Reimbursement


Proprietary Policy Form
  • Duty to Defend
  • Nonauditable
  • Broad Definition of Insured
  • $10M Aggregate Limit
  • Wrongful Acts
  • Employment Practices
  • Employee Benefit Plans
Coverage Extensions
  • Inverse Condemnation
  • Outside Directorship
  • Third Party Discrimination


  • $1M Privacy & Network Security
  • $1M Notification & Credit Monitoring Costs
  • $100K Data Forensic & Public Relations


Proprietary Policy Form

  • Following Form
  • $10 Million Capacity
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