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125 - 12th Street, 3rd Floor, Oakland, CA 94607 · 510-272-6920

Risk Management Unit, a part of the CAO

Insurance Programs for the County

The County purchases the following insurance coverage. A summary of each policy follows. For more questions on specific coverage, please contact the risk management unit.


Provides protection for claims arising out of the operation of Sheriff's aircraft.

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Boiler and Machinery

Provides coverage for all buildings scheduled under the property insurance program for damage arising from the operation of boilers, steam turbines and compressor tanks. It is a component of the County’s property insurance coverage.

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Cyber Liability

Cyber liability coverage is insurance coverage for liability that arises out of unauthorized use of or unauthorized access to, electronic data or software within the County network. Cyber liability policies also provide coverage for liability claims for spreading a virus or malicious code, computer theft, extortion, or any unintentional act, mistake, error, or omission made by County employees while performing their job.

Cyber Liability pays damages and claims expenses (excess of the retention) which the County shall become legally obligated to pay because of any claim, including a claim for violation of a privacy law first made against the County and reported to underwriters during the policy period for:

  • Theft, loss or unauthorized disclosure of personally identifiable nonpublic information or third party corporate information that is in the care, custody or control of the member, or an independent contractor that is holding, processing or transferring such information on behalf of the member.
  • Acts or incidents that directly result from the failure of computer security to prevent a security breach including: alteration, corruption, destruction ,deletion, or damage to a data asset stored on computer systems.
  • Failure to prevent transmission of malicious code from computer systems to third party computer systems.
  • Participation in a denial of service attack directed against a third party computer system;
  • The failure to timely disclose any of the above in violation of any breach notice law;
  • The failure to comply with a privacy policy that (1) prohibits or restricts the disclosure, sharing or selling of personally identifiable non-public information, (2) requires insured Organization to provide access to or correct incomplete or inaccurate personally identifiable non-public information or (3) mandates procedures and requirements to prevent the loss of personally identifiable information.

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Employee Dishonesty Bond and Crime Coverage

The employee dishonesty insurance program provides protection to the County for loss of money or funds due to employee acts of dishonesty resulting from theft, embezzlement, forgery, or fraud. Coverage is extended to provide protection to all public official actions that may result in losses due to areas such as misappropriation of funds for which the County may not have any financial recourse. All County (and its Special Districts as endorsed to the program) elected and appointed officials and employees are provided coverage.

The crime coverage provides protection to the County for loss of money or funds due to forgery or alteration, theft, disappearance and destruction, robbery and safe burglary by person(s) not employed by the County.

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Foster Parents Insurance

Foster Parent Insurance provides third party liability coverage for damages arising from, and unique to, the foster care relationship and the provision of foster care services. The liability insurance provides the following:

  • Protection in the event foster child/youth is injured and foster parent is sued by child/youth’s natural parents or guardian.
  • Protection against claims for bodily injury or property damage to the person or property of another because of an act of a foster child.
  • Damage to property owned by or in the Care, Custody and Control of a Foster Parent
  • Provides defense to foster parent against covered claim of actual or alleged abuse or molestation, willful neglect and corporal punishment
  • Personal injury liability coverage for foster parents, including but not limited to bodily injury, libel, slander, false arrest, wrongful eviction and alienation of affection of your foster child/youth by his or her parent.

This coverage is provided under the following conditions:

  • Foster children/youth must be under the age of 18
  • Claims must be filed while foster parent is insured under the program or within two-year extension period
  • Coverage is excess over other liability policies held by the foster parent

The policy does not cover bodily injury or property damage as the result of:

  • Ownership, maintenance or use of any land motor vehicle, watercraft or aircraft
  • Business pursuits
  • Transmission of communicable diseases
  • Physical or sexual abuse
  • Negligent supervision related to allegations of physical or sexual abuse ($100,000 sub-limit for defense)

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General Liability

General Liability insurance provides legal protection for claims made against the County, and its Special Districts, by members of the public or organizations who allege that they have suffered bodily injury, personal injury or property damage. The County's Program is a combination of self-funded and purchased insurance. The County's retained limit is $1,000,000 per occurrence with excess limits to $36,000,000. Coverage is provided for the following exposures:


This program will pay on behalf of the County all sums which the County shall be obligated to pay by reason of liability:

  1. Imposed by law, or
  2. Assumed under contract or agreement by the County and/or any officer or employee while acting on behalf of the County

For damage for an occurrence resulting in or as a result of:

  1. Personal Injury /Bodily Injury
  2. Property Damage
  3. Contractual Liability
  4. Public Officials' Errors and Omissions Liability
  5. Auto Liability
  6. Employment Practices Liability


  1. Employee Benefits Programs, such as workers' compensation, unemployment insurance, social security and disability benefits, etc.
  2. Injury to employee arising out of and in the course of employment
  3. Damage to County's properties: owned, rented or leased
  4. Bodily injury or property damage arising out of ownership, maintenance, loading or unloading, use or operation of any aircraft, airfields, runways, hangars, buildings or other properties in connection with aviation activities
  5. Medical Malpractice
  6. Eminent Domain or inverse condemnation, except for physical injury to or destruction of tangible property
  7. Failure to supply or provide an adequate supply of gas or water or electricity when such failure is a result of the inadequacy of the County's facilities to supply or produce sufficient gas or water or electricity to meet the demand
  8. Subsidence, except for physical injury to or destruction of tangible property
  9. Transit authority, transit system or public transportation , except for those that are operating over non-fixed routes such as dial-a-ride, senior citizens transportation or handicapped persons transportation
  10. Nuclear incidents
  11. Liability imposed upon the County under the "Employment Retirement Income Security Act of 1974 and any law amendatory thereof
  12. Liability arising out of rupture, bursting, overtopping, accidental discharge or partial or complete failure of any dam(s)
  13. Liability arising out of the manufacture of, mining of, use of, sales of, installation of, removal of, distribution of, or exposure to asbestos, asbestos products, asbestos fibers, or asbestos dust
  14. Liability arising out of the actual or threatened discharge, dispersal, seepage, migration, release or escape of pollutants anywhere in the world
  15. Liability arising out of the operation or use of any off highway vehicle park or area
  16. Any liability arising out of or in connection with those causes of action or counts in any suit which do not contain demands or prayer for monetary damage
  17. Under Errors and Omissions Liability coverage, exclusions include:
    1. Refund of taxes, fees, or assessments
    2. Liability arising in whole or in part, from obtaining remuneration or financial gain to which the County was not legally entitled
    3. Willful violation of a penal statute, doe or ordinance
    4. Liability arising out of estimates of probable costs or cost estimates being exceeded, or for faulty preparation of bid specifications or plans or failure to award contracts in accordance with statute or ordinance which under law must be submitted for bids
    5. Injury to, destruction or disappearance of any tangible property (including money) or the loss of use thereof
    6. Failure to perform or breach of a contractual obligation
  18. Punitive damages
  19. Benefits payable under an employee benefit plan because of unlawful discrimination
  20. Liability arising out of or by reason of purchase, or sale, or solicitation, or any representation made at any time, or any depreciation or decline in price or value of any security, debt, bank deposit or financial interest or instrument
  21. Under Unfair Employment Practices Liability coverage, exclusions include:
    1. Strikes and lockouts
    2. Workers Adjustment and Retraining Notification Act
    3. Modification of any building or property in order to make said building or property more accessible or accommodating to any disabled person
  22. Liability arising out ownership, maintenance, operation, use, loading or unloading of any mobile equipment or vehicle while being used in any prearranged or organized racing, speed, or demolition contest or any stunting activity or in practice in preparation for any such contest or activity; or the operation or use of any snowmobile or trailer for recreational, stunting or racing activities
  23. Any economic loss, response cost, expense or payment arising directly or indirectly out of any governmental direction or request that the County conducts

Additional Coverages and Exclusions may be applicable as outlined in COVERAGE SUMMARY FOR CSAC EXCESS INSURANCE AUTHORITY (CSAC-EIA) GENERAL LIABILITY II PROGRAM.

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Medical Malpractice Insurance


This program will pay on behalf of the County all sums which the County shall be legally obligated to pay by reason of liability resulting in or as a result of:

  1. The rendering of or failure to render professional services
  2. Bodily injury not arising out of professional services
  3. Personal Injury
  4. Property Damage


  1. Damages arising out of the operation, maintenance, ownership, rented or loaned, use, entrustment to other, loading and unloading of automobile, aircraft, watercraft
  2. Pollution incidents
  3. Liability that falls under Workers Compensation, unemployment compensation, disability benefits law or under any similar law
  4. Injury to employees, students or volunteers arising out of and in the course of duties on behalf of the County, but this exclusion does not apply to professional services rendered to such person by the County or to personal injury to such person
  5. Willful violation of a penal statute or ordinance
  6. Advertising injury
  7. Properties owned, used, occupied, rented or in the care, custody or control of the County
  8. Products liability
  9. Claims made against members of the County's independent medical staff except when acting in the capacity as employed physicians or as may be endorsed hereto
  10. Liability assumed under any contract or agreement for professional services except as specifically modified by endorsement
  11. Punitive damages, exemplary damages, fines, penalties, treble damages or any other enhancements, increase or multiplication of compensatory damages

Additional Coverages and Exclusions may be applicable as outlined in COVERAGE SUMMARY FOR CSAC EXCESS INSURANCE AUTHORITY (CSAC-EIA) GENERAL LIABILITY II PROGRAM.

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Property/Real Property Insurance

Insurance is provided against loss or damage by perils such as theft, fire, windstorm, hail, explosion, riot, vandalism, flood, and for most structures, earthquake for the County's:

  • Buildings
  • Contents
  • Rental Income including revenue bond payments
  • Business interruption
  • Accounts Receivable
  • Electronic Data Processing Media and Extra expense
  • Extra expense
  • Property in transit (to or from the County)
  • Valuable papers
  • Architects/engineers Fees and claims consultant Fees
  • Earthquake sprinkler leakage
  • Fire Legal Liability, Joint loss agreement with Boiler and Machinery
  • Fire Department Charges
  • Equipment
  • Licensed and non-licensed vehicles and mobile equipment*
  • Fine Arts (if scheduled)**

Property Coverage Deductible Schedule

Property Coverage Deductible
All Risk $50,000
Automobiles $10,000
Unscheduled Roads, Bridges, Etc. $750,000
Boiler and Machinery $5,000
Terrorism $50,000
Flood: Declared value as of March 26, 2009 is $1,981,852,879 2% of total values per unit subject to a $100,000 minimum per occurrence and a maximum of $500,000 per occurrence
Earthquake: Declared value as of March 26, 2009 is $1,880,550,743 5% of replacement value per unit per occurrence, with a $100,000 minimum deductible


Provides coverage for damage to County vehicles. GSA, Public Works, Zone 7, and the Fire District routinely schedule fleet vehicles for insurance. Coverage for department-owned or leased vehicles that are not maintained by any of the aforementioned Agencies must be reported to Risk Management by the department.

**Fine Arts and Collections

Provides $1,000,000 of coverage per location for the County's fine arts, either owned or works of art loaned to the County by others. Insurance provides protection for these items while they are on display, in storage, or in transit between locations.

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Pollution Liability

Insurance is provided against 3rd party claims arising out damages caused by pollution and covers 1st party clean-up costs subject to certain restrictions. The limits are $10,000,000 each pollution condition with a $10,000,000, aggregate, with a $250,000 self-insured retention.

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Special Liability Insurance

Insurance is provided against 3rd party claims arising out of activities under the Nutrition and Physical Activity Policy and Guidelines through the County’s Wellness Program.

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Provides protection for claims arising out of the operation of Sheriff and Fire Department watercraft. $1,000 deductible for each accident or occurrence with each vessel separately insured.

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Workers' Compensation Insurance

The County’s Program is a combination of self-funded and purchased insurance. The County’s retained limit is $3,000,000 per occurrence with excess limits to statutory, and Employer’s Liability with retained limits of $3,000,000 per occurrence with excess limits $5,000,000.

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