
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
*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This chart is only a brief illustration of our program and may contain unintentional inaccuracies, outdated material or coverages not included in our quotations.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
PROPERTY
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
CRIME
Proprietary Policy Form
- Faithful Performance
- Employee Benefit Plans
- Available Coverage for Designated Agents
Coverages
- 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
GENERAL LIABILITY
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
BUSINESS AUTO
Coverages
- 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
PUBLIC OFFICIALS & MANAGEMENT LIABILITY
Proprietary Policy Form
- Duty to Defend
- Nonauditable
- Broad Definition of Insured
- $10M Aggregate Limit
Coverages
- Wrongful Acts
- Employment Practices
- Employee Benefit Plans
Coverage Extensions
- Inverse Condemnation
- Outside Directorship
- Third Party Discrimination
PRIVACY LIABILITY & NETWORK RISK
Coverages
- $1M Privacy & Network Security
- $1M Notification & Credit Monitoring Costs
- $100K Data Forensic & Public Relations
EXCESS LIABILITY
Proprietary Policy Form
- Following Form
- $10 Million Capacity