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.

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.