Risk Pool and Liability Insurance Providers for Libraries
Libraries seeking coverage for liability and risk management have various options. The following organizations specialize in insurance solutions for public entities, including libraries. It is essential that libraries carefully assess each provider to ensure the coverage aligns with their specific needs, financial considerations, and risk exposure.
Risk Pool Providers:
Enduris Washington - risk sharing pool for special purpose districts in Washington. (https://www.enduris.us/)
Local Government and Nonprofit Self-Insurance (LGSI) Program - provides approval and oversight of the following programs: 1) Joint self-insured local government and non-profit property/liability programs as provided in RCW 48.62, RCW 48.64, RCW 48.180, WAC 200-100, WAC 200-120 and WAC 200-150 and 2) Individual and joint self-insured local government employee health/welfare (medical) benefit programs as provided in RCW 48.62 and WAC 200-110. (https://www.des.wa.gov/policies-legal/risk-management/local-government-self-insurance)
Risk Management Service Agency (Association of Washington Cities) -- full-service risk management choice, protecting the employees, assets and officials of Washington’s cities and towns. (https://wacities.org/services/risk-management-service-agency)
Washington Cities Insurance Authority (WCIA) – Offers liability and property coverage with risk management support. (http://wciapool.org/)
Washington Counties Risk Pool - The Washington Counties Risk Pool was "Created by Counties for Counties" in 1988 and pursuant to Chapters 48.62 and 39.34 RCW to provide to member counties programs of joint self-insurance, joint purchasing of insurance and joint contracting for or hiring of personnel to provide risk management, claims handling, and administrative services.( https://wcrp.info/)
Cities Insurance Association of Washington (CIAW) – Provides insurance coverage for municipalities and special districts, including libraries. (https://ciaw.us/content-library/frequently-asked-questions/)
Alliant Public Entity – Offers risk management solutions tailored for municipalities, transit systems, and public utilities. (https://alliant.com/)