• Public Agency
  • Required Special Legislation (initiated by Cal Mutuals)
  • Member Supported
  • Independent Board of Directors (elected by Members)
  • Fully Reinsured
  • No Joint & Several Liability
  • No Assessments
  • Three Year Commitment
  • Permissible Exit within Three Years based on Maximum Rate Ceiling
  • Broker Supported
  • Exceptional Reinsurance Security (financial strength)
  • Unmatched California Water Expertise (20+ years)
  • Largest Water Related Insurance Portfolio in California
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