Risk management

DAS Risk Management purchases commercial insurance coverage to supplement its self-insurance program. Following are the commercial policy summaries. Contact us for actual terms, conditions and exclusions. We can also assist with agency specific policy needs for unique risks your agency mission may require. Current, updated summaries are posted as soon as they are available following renewal.

Current commercial insurance policy summaries

Aircraft & hull liability
Policy renews: July 1 - every 2 years.
  • Limited coverage for aircraft, passengers, hangers, pilots and emergencies.
Boiler & machinery equipment breakdown
Policy renews: October 15 - annually.
  • Coverage includes energized equipment and pressurized vessels.
Employee crime
Policy renews: July 1 - every 3 years.
  • Primary and excess coverage for losses from dishonest acts of employees
Firefighting
Policy renews: April 15 - annually.
  • Limited excess coverage.
Foreign liability for employees
Policy renews: May 1 - annually.
  • Excluding USA, it's territories, Canada and Puerto Rico, covers the following while abroad:
    • General Liability
    • Automobile Liability
    • Employers Liability
    • Accidental Death & Dismemberment
Kidnap and Extortion
Policy renews: May 1 - every 3 years.
  • Coverage while abroad worldwide:
    • Loss of earnings
    • Travel security evacuation extension
    • Threat response expense extension
    • Disappearance investigation and expense extension
    • Enhanced child abduction extension
    • Hostage crisis extension
Property damage, real & personal excess coverage
Policy renews: October 15 - annually.
  • Coverage while abroad worldwide.
Public officials bond
Policy renews: October 1 - every 3 years.
  • Coverage for specified compensated and non-compensated officials from dishonest acts.
Special events liability
Policy renews: October 1 - annually.
  • Coverage for liabilities caused by guests and invitees at state-sponsored events.
Terrorism
Policy renews: October 15 - annually.
  • Primary and excess coverage for terrorism and sabotage.
Vessel pollution liability
Policy renews: September 15 - annually.
  • Limited coverage for pollution removal costs and expenses.