The Colorado School Districts Self Insurance Pool (CSDSIP) offers school districts, Boards of Cooperative Educational Services and public charter schools of all sizes direct access to benefits traditionally reserved for larger entities, including:

•           Low annual contributions

•           Shared risk between similar entities, resulting in equitable ratings

•           Valuable insight and advice from some of the state’s best attorneys

•           Comprehensive coverage that encompasses the many needs of Members with fewer exclusions

•           Protection against catastrophic loss

Value Added Features:

What Sets Us Apart:

Voice 

Stability

With over 190 Members our financial strength is superior. 

Locality

We are based in Denver, CO and whenever you contact us you will reach a local person to assist you. 

Risk control reviews tailored to each Member's specific situation and location throughout the state

Risk Management

Our Coverage
 

Unlike a typical commercial insurance policy, the Pool’s policy is specifically tailored to school entities and provides coverage unique to their needs. The policy consists of ten sections which are briefly described below. 

Common Policy

Details the conditions that govern the entire policy to include duties of the insured, cancellation terms, policy exclusions and definitions of terms.

Property

Details the property coverage limits and deductibles, duties of the insured, an explanation of loss adjustment, exclusions, property and vehicle schedules, damage to non-owned property, flood coverage, auto physical damage coverage and definitions. This form is a Special Causes of Loss form and includes a Builder’s Risk limit.

Equipment Breakdown

Details limits of coverage, covered causes of loss, duties of the insured, perishable goods coverage, exclusions and definitions.

Crime

Details limits of coverage for each employee and public official as well as coverage limits for forgery, computer fraud and theft of money. Also includes exclusions and definitions. Minimum coverage complies with statewide standards and are often used in lieu of bonding among our Members.

School Entity Liability 

This form combines general liability, errors and omissions and employment practices liability. The section details who is insured, limit of coverage, defense limits, medical payments, exclusions and definitions.

Auto Liability

Details who is insured, coverage limits, medical payments, hired and non-owned coverage, fleet automatic coverage, defense limits, exclusions and definitions.

School Crisis Act

This new coverage expansion has been added to the pool package at no charge to our Members. The coverage was developed following the Platte Canyon School District incident in which we received a grant through General Reinsurance Corporation, a re-insurer on the Pool’s coverage. Through this grant we were able to provide reimbursement for a number of expenses incurred that were not covered under an insurance claim. CSDSIP crafted a School Crisis Act Coverage which allows Members to have certain non-claim related expenses covered in the event of a defined act such as attorney fees for the Member and board counsel after the event, media specialist to assist the Member during the aftermath of a crisis, additional labor costs for administrative functions, etc.

Nuclear, Chemical, Biological & Biochemical Acts of Terrorism

Provides coverage for defined acts of terrorism resulting in the release of chemical, biochemical, biological or nuclear agents or materials.  Coverage includes property and business income.  Combined liability is included on a claims made basis. This form details limits of coverage, covered causes of loss, duties of the insured, exclusions and definitions.

Crime Coverage

Provides coverage for losses incurred as a result of theft of money or securities. This form details limits of coverage for each employee and public official as well as coverage limits for forgery, computer fraud and theft of money.  Also includes conditions, exclusions and definitions.  Minimum coverage provide limits equal to statewide standards and are often used in lieu of bonding among our Members.

Data Compromise

Provides sub-limited coverage for response expenses resulting from personal data compromise due to breach of personal identifying information in your care, custody and control. Coverage valid when discovered and reported in accordance with the terms and conditions of the policy This form details limits of coverage, covered causes of loss, duties of the insured, exclusions and definitions.

If you have any questions concerning our coverage, please contact us.