Recommended FY 2022-2024 Operating Budget and CIP

General Liability

795.8210

Division Description The City purchases liability/property/vehicle insurance through the Pooled Liability Assurance Network Joint Powers Authority (PLAN JPA). The City is a member of the PLAN JPA for coverage of liability risks associated with City operations. This provides a pool of liability/property coverage distributed among 28-member municipalities. Claim amounts incurred by the City in excess of the self-insured retention are shared among 28-member agencies, providing incentives for all participants to control loss exposures. The PLAN JPA provides $5,000,000 per occurrence of general liability and automobile coverage, and $25,000,000 excess liability coverage per occurrence, and is responsible for paying the claims in excess of the City’s $100,000 self -insurance retention. The liability program offers broad-form coverage, contractual liability, personal injury, and vehicle operations. Under this program, the City is currently self-insured for the first $100,000 of any liability claim and is covered for up to $30,000,000 in costs for each claim. The PLAN JPA provides claims administration. The PLAN JPA property program offers a single, all-risk policy covering buildings and contents, boilers and machinery, data processing, vehicles and other coverage. The program carries a $5,000 deductible per loss. Like many municipalities in California, the City has opted not to purchase insurance coverage for the risk of earthquake damage because it would be cost prohibitive. PLAN JPA support services include risk management, claims administration, actuarial studies, loss control training, financial and other administrative services, and comprehensive legal defense. PLAN JPA also provides significant grant funding to member entities for safety improvement, risk mitigation, and attainment of best practices.

Examples of how the risk management grants were used in prior years are included below.

FY 2020-21 and 2021-22 Accomplishments • Repaired and maintained sidewalks to prevent tripping hazards • Purchased sewer camera truck • Finalized Vehicle Use Policy • Developed and implemented Urban Forest Management Plan

FY 2022-23 and 2023-24 Activity Goals • Sidewalk repairs and maintenance (Enhancing Public Safety) • Revise/update sewer/storm drain management program (SOP) (Maintaining and Enhancing Infrastructure; Enhancing Public Safety; Protecting the Environment) • Defensive Driver Training for non-PD employees (Enhancing Public Safety) • The City will continue to work with the PLAN JPA Risk Control Consultant to implement best practices and procedures for risk management, and will meet or exceed the minimum risk management program threshold PLAN JPA has set for member cities (Preserving and Cultivating Public Trust)

324 INTERNAL SERVICE FUNDS/MISCELLANEOUS PROGRAMS