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 Pooled Liability Program

BCJPIA provides General Liability, Auto Liability, and Errors & Omissions coverage for its Members in excess of the Member's retained limit, or Self-Insured Rentention (SIR), up to $1,000,000 per occurrence. Each Member retains the portion of every loss that falls within their SIR, ranging from $5,000 to $500,000. BCJPIA is also a member of the California Affiliated Risk Management Authorities (CARMA), a risk sharing joint powers authority. When losses exceed the $1,000,000 per occurrence limit, CARMA provides coverage up to $29,000,000. The graph below outlines the various levels of coverage currently obtainable through BCJPIA's Liability Program.

CARMA
GROUP SHARED SELF-INSURANCE, RE-INSURANCE, & EXCESS INSURANCE
$1,000,000 - $29,000,000 

BCJPIA
GROUP SHARED SELF-INSURANCE
MEMBER SIRs - $1,000,000  

$500,000

                                                                                                    

$350,000





 

$250,000




                                                                   

$100,000



MEMBER SIRs

 

$50,000

 

$25,000

 

$10,000

 

$5,000

  
 Auto Liability
As a courtesy to our members, BCJPIA provides vehicle identification cards and an accident report form which can be placed in member-owned vehicles. To access these forms go the Forms and Documents page in the Members Only section.