Coverage

PERMA is dedicated to providing financially secure, stable, and cost effective coverage programs to its members.

Liability. The Liability Program provides defense and indemnity coverage against claims and suits arising from covered occurrences.  It provides $50 million in broad form general liability coverage, which includes auto liability, bodily injury and property damage, personal injury, and public officials errors and omissions.  Members select a member retention.

Workers’ Compensation. The Workers’ Compensation program provides statutory benefits for employee injuries arising out of and in the course of employment.  It provides statutory limits in workers’ compensation coverage and $5,000,000 in employers’ liability coverage.  Members select a member retention.

Property. The all-risk property program provides coverage on a replacement cost basis. The all-risk coverage includes a $100 million limit, a $100,000 pool deductible (inclusive of member deductible), and a $10,000 member deductible for most members.

Automobile Physical Damage. The auto physical damage program provides coverage to member-owned vehicles. Members schedule the vehicles, and coverage is available on a replacement cost basis.

Employment Practices Liability. The Employment Practice Liability (EPL) program provides coverage for employment related lawsuits, such as wrongful termination and discrimination, through participation in the Employment Risk Management Authority (ERMA). ERMA provides $1 million in employment practices liability coverage.  Additional limits are provided by PRISM.

Cyber Liability. This program provides coverage for information security & privacy liability, privacy notification costs, regulatory defense & penalties, website media content liability, cyber extortion, first party data protection & business interruption losses.

Alliant Deadly Weapon Response Program.  The ADWRP program provides coverage for 3rd-party injuries while on Member property, including defense costs, for which the Member is legally liable where a weapon has been used or brandished. Weapon is broadly defined and can also include vehicles. The program also covers crisis management services and 1st-party property damage, including business interruption.

Crime Coverage. This program provides public employee dishonesty, forgery or alteration, and computer fraud coverage with the various coverage limits available.

Special Events. The special events program is a fully insured program allowing members of the public to purchase liability insurance at a substantially reduced cost for functions (such as weddings, parades, meetings) held on member premises.

Employee Benefits. The Employee Benefits program is a fully insured program providing a wide range of health and welfare benefits and services.