PDRMA’s Property/Casualty Program
The broadest coverage with highest limits and lowest cost
 PDRMA’s Property/Casualty coverage has been custom-designed specifically
for park and recreation agencies. Whether you need coverage for pollution incidents, your member foundation or even zoo animals, we have the insurance products
you need to fully protect your agency.
We provide a broad range
of coverage with higher limits at a substantial savings over other insurance
pools or the commercial marketplace.
A Long-Term Strategy –
Stabilizing
the Cost of Managing Risk
Survey results indicate that the number
one request of PDRMA members is rate stability for
insurance costs. That's why PDRMA has developed a long-term strategy to insulate our members from the ups
and downs of the commercial insurance market. This has included building
member net assets, establishing a Rate Stabilization Fund, creating/participating in an insurance captive, and diversifying our investment portfolio.
PDRMA’s risk financing strategy has been to not only remain flexible and take
advantage of soft insurance market conditions, but also to make changes when the market
hardened. And our top priority has always been to protect members’
interests and negotiate the best possible terms and conditions for coverage. This has proven to be a successful long-term solution
to controlling and stabilizing each member’s insurance-related costs.
Property Coverage
The main focus of this program is to ensure the vast variety of member property is adequately covered, through policies custom-designed for park and recreation agencies. Coverage for golf course tees, greens and sand traps; nurseries, greenhouse plants and landscaping; and trained animals are just some of the innovations negotiated by PDRMA.
Our property program includes five major lines of coverage:
- All Risk Property/Contents
- Builders Risk
- Auto Physical Damage (including mobile equipment)
- Boiler and Machinery
- Fidelity and Crime
Download Property Policies
Liability Coverage
PDRMA provides a strong insurance liability program with coverage
and limits that far exceed the industry average. We use an innovative
approach to providing the highest possible liability limits by creating and participating in risk purchasing programs and an insurance captive.
In fact, PDRMA is a founding member of Governmental Entities Mutual (GEM) — an insurance
captive company owned by PDRMA and 14 other risk pools. This program allows us to obtain
the best possible liability coverage at the most competitive cost.
The PDRMA Liability Coverage program includes:
- General Liability
- Auto Liability
- Employment Practices Liability
- Employee Benefits Liability
- Public Officials Errors and Omissions
Download
Liability Policy
Workers’ Compensation Coverage
Our Workers’ Compensation coverage program includes both Statutory
and Employers Liability coverage.
- Statutory coverage provides benefits as prescribed by Illinois state law
to employees for job-related injuries to the full cost of a claim per state
workers’ compensation statutes.
- Employers Liability provides coverage for claims or lawsuits brought
by parties other than the employee for damages they might have sustained because
of the employee’s work-related injury or illness.
Download Workers’ Compensation Coverage Document
Pollution Coverage
PDRMA’s Pollution program is designed to respond to a wide variety of
possible incidents including:
- Illegal dumping on your property
- Migration of pollution from your property to another
- Migration of pollution onto your property
- Unknown potentially hazardous past uses of your property
Download
Pollution Policy
Add a new location to the Pollution Policy
Volunteer Medical Benefit
PDRMA recognizes the importance of the volunteers who assist our member agencies
in a wide range of activities. By statute, volunteers are not eligible for workers’ compensation benefits if injured in the course of their volunteer duties.
Therefore, PDRMA provides limited medical accident benefits for injuries incurred
as a result of volunteer duties.
Underground Storage Tank Coverage
Members that own and maintain underground storage tanks in accordance with the
Illinois Leaking Underground Storage Tank (LUST) program are provided with a
benefit in the event of a tank leak.
For additional detailed information on PDRMA’s coverage programs, please
contact Kevin Hoffman, Director
of Member Services at 630-769-0332 or email khoffman@pdrma.org.
All PDRMA coverage, terms and corresponding limits are subject
to change without notification. Please contact PDRMA for current policy information.
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