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 Sedgwick for general administration and Keenan & Associates for third-party claims administration and safety and risk control services for the liability program.

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.