Programs » Liability     Tuesday, May 22, 2018    
 Liability Program

The MSIA Liability Program was established to fund for the self-insured and excess coverage for general liability. The program year runs from July 1 to June 30 of each year. Excess insurance is provided by the Northern California Regional Liability Excess Fund ( The Board has contracted with Bickmore for general administration and Keenan & Associates for third pary claims administration and safety and risk control services for the liability program.

The MSIA's insurance coverages, deductibles, and self-insured retentions (SIR) are as follows for the Casualty Program (Liability):

Insurance Type Coverage
Deductible: $1,000
JPA SIR: $25,000
Excess Insurance Purchased: $25,001 to $1 million is purchased through Northern California ReLiEF (NCR), an additional $24 million excess of $1 million, and an optional $25 million excess of $25 million is purchased through Schools Association for Excess Risk (SAFER) programs. 


A financial audit is conducted annually by independent Certified Public Accountant (CPA). An annual actuarial study is conducted by an independent actuary to ensure appropriate rates and reserves.

The third party claims administror is audited bi-annually to ensure best practices in claims handling.

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