The Underwriting Department tailors our insurance program based on the unique exposures and loss experience of each member.


Liability Coverages

  • General Liability
  • Personal Injury Liability
  • Law Enforcement Liability
  • Catastrophic Medical Coverage
  • Errors or Omissions Liability
  • Employment Practices Liability
  • Employment Benefits / Fiduciary Liability
  • Class Action Liability Coverage
  • Optional Punitive Damage Coverage
  • Automobile Liability
  • Automobile Physical Damage
  • Optional Stated Value Fire or Utility Schedules
  • Optional Privacy and Network Security Liability
  • Optional Ransomware, Social Engineering, and Data Restoration Expense Coverage
  • UAV (Drone) Coverage


 Workers Compensation Coverage

  • Statutory Coverage
  • Voluntary  Accident and Medical Coverage


 Property & Crime Coverage

  • Buildings & Personal Property
  • Electronic Data Processing Equipment
  • Mobile Equipment
  • Equipment Breakdown (Boiler and Machinery)
  • Employee Dishonesty
  • Forgery or Alternation
  • Theft, Disappearance, or Destruction
  • Computer Fraud