CDP Liability Insurance - 8/1/23 - 8/1/24

RENEWAL

Please note that renewal is for a full year. Policies from 2023 - 2024 are not already in force because 8/1/22 - 8/1/23 are not automatically bridged. The new policy year for 2023 - 2024 has begun. Payment must be received within 10 days of the request for coverage and processed before the physical liability certificate of insurance is provided.

Coverage is primarily for Commercial Liability and Office Property as well as liability.

Please review the following CDP Liability Insurance levels of coverage.

Please be sure to read this completely.                                   

CDP ORGANIZATIONS WHO ARE ELIGIBLE FOR COVERAGE:

  • County Central Committees
  • Chartered Democratic Clubs
  • PLEASE NOTE: CANDIDATE COMMITTEES are NOT eligible for this program.

LEVELS / PRICE OF COVERAGE:

County Central Committee - BASIC LIABILITY COVERAGE ($663)

County Central Committee - BASIC LIABILITY COVERAGE + additional property coverage ($816)

Chartered Clubs - BASIC LIABILITY COVERAGE ($561)

Chartered Clubs - BASIC LIABILITY COVERAGE + additional property ($714)


Special Event Coverage - (there is a $204 charge for ONLY those organizations that have NOT paid the full August 2023- August 2024 Premium). If the County Central Committee or the Chartered Club has paid the full August 2023 - August 24 CADEM Insurance Premium, then there is no charge for Special Event Coverage Liability Certificate requests. Please complete the Special Event Coverage form when the event venue is asking to be named as the additional insured on the CADEM Liability Coverage Certificate. 

BASIC COVERAGE:  Commercial Liability of $ 1 million per occurrence and $2 million General Aggregate, and $ 100,000 Fire Damage Legal Liability.  Property damage and/or Bodily Injury claims are subject to a $5,000 per occurrence deductible, and include but are not limited to:

 

Premises operations, Completed Operations, and Host Liquor Liability.
The policy covers liability for such events as monthly meetings, whether in a member’s home or outside the facility, voter registration at an enclosed mall, a campaign rally in a park, fundraisers in a member’s house or backyard, a booth at a county fair, etc. The commercial General Liability deductible including the Liquor Liability deductible is $5,000.

 BASIC LIABILITY + ADDITIONAL PROPERTY: If you establish and maintain a permanent, year-round, office and/or anticipate opening temporary offices before 8/1/24, you can purchase additional Business Personal Property Coverage to protect your business property (excluding cash) and computer equipment from losses including fire, vandalism, and theft. The policy covers $75,000 total for all unnamed locations. Property losses are subject to a $10,000 deductible per claim. Additional scheduled personal property may be added at an additional premium cost. Please include all known properties on the Basic Coverage + Additional Property form. Add additional properties as you obtain the location information and inform Unique Wilson in our Sacramento office.

SPECIAL EVENT COVERAGE: A Special Event Certificate request must be forwarded in advance for the anticipated attendance of 0 - 500 people. There is no charge for a CDP County Committee or Chartered Club to submit an initial “one-time” Special Event Insurance Certificate" request.

NOTE: After a “one-time” annual Special Event certificate has been utilized, any additional event coverage requested is a $204 charge per event, if the County Central Committee or Chartered Club has NOT paid the full August 2023- August 2024 Premium). Events over 500 to 1,000 people are subject to underwriter approval. The $204.00 charge only applies to those organizations that have not paid the full August 2023-2024 policy premium.

If the County Central Committee or the Chartered Club has paid the full August 2023 - August 24 CADEM Insurance Premium, then there is no charge for Special Event Coverage Liability Certificate requests.  

NOTE: Basic liability coverage is extended to unlimited special event coverage throughout the policy year for those organizations that have paid the full August 2023-2024 Premium.

NOTE: Liability coverage is NOT provided for personal injury (libel, slander, false arrest, defamation of character, invasion of property, wrongful entry, wrongful eviction, and malicious prosecution) or advertisement liability. Also, voluntary medical payments and property of others in the care, custody, and control are NOT covered. 

The CADEM insurance broker will provide an insurance certificate outlining levels of coverage to each entity that chooses to participate.

The following forms MUST be completed and premium payment must be received and processed before the certificate of insurance is provided.

Refer all questions about requests of coverage to:

Unique Wilson: (916) 503-7318 or Emma Harper for backup: (916) 503-7302

email: unique@cadem.org or emma@cadem.org as a secondary contact