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Commercial Insurance Coverage

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 third party coverage for state owned and non-owned aircraft operated by state employees/pilots.

​Boiler & machinery equipment breakdown​​
Policy renews: October 15 - annually.
  • Coverage includes energized equipment and pressurized vessels.

Employee crime
Policy renews: July 1 - annually.
  • Primary and excess coverage for incidents involving employee theft, forgery, computer fraud, funds tranfer fraud, etc.

International 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

​​​Property damage, real & personal excess coverage
Policy renews: October 15 - annually.
  • Excess coverage in which the state has an insurable interest for direct physical loss excluding earthquake & flood.

​​Public officials bond
Policy renews: October 1 - every 3 years.
  • Coverage for specified compensated and non-compensated officials from dishonest acts.

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.