Exclusive CIRMA LAP Coverage Enhancements

We’ve spent almost a half-century getting it right. Our exclusive coverage enhancements offer deeply tailored protections to meet your needs and exceed your expectations.

Equipment breakdown

Covers high-value equipment against most causes of sudden failure.

Contact your CIRMA representative for program details.

Excess liability

Competitive coverage terms are the same from the first dollar up to $26 million, so you are assured that there are no gaps or expensive overlaps in coverage.

Contact your CIRMA representative for program details.

Fidelity & crime coverage

Covers loss from theft, including the disappearance or destruction of property, forgery, and computer fraud.

Contact your CIRMA representative for program details.

Environmental pollution insurance  

Protects property and third-party exposures and losses resulting from a covered pollution incident.

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International Travel Insurance

Offers protections provide voluntary workers’ compensation, accident, commercial general liability, commercial auto liability, kidnap and ransom, extortion, and excess repatriation coverage to school or town groups traveling abroad.

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Drone Coverage

Provides LAP pool members protection from exposures that arise from public entities utilizing drone technology. Liability and property coverage are available by endorsement only when underwriting guidelines are met.

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GatherGuard Special Event Coverage

Provides an insurance program for special events that are held at local public facilities. Protects both the host and public entity from specific liabilities, including bodily injury and property damage.

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K-9 Officer Property Coverage

Offers unique protections to CIRMA LAP pool members by addressing financial loss(es) associated with incidents that involve K-9 Officers who are injured or killed while engaging in their law enforcement duties.

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Contact your local CIRMA representative to learn more about our member-exclusive LAP coverage enhancements.