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   About LAWCX » LAWCX Program Tuesday, July 25, 2017   
 The LAWCX Program
LAWCX currently offers $150,000, $250,000, $350,000, $500,000, and $1,000,000 retained limits or a member can attach directly to the purchased excess insurance. LAWCX covers the layer above the member's retained limit up to $5 million. For excess coverage, LAWCX is a member of the California State Association of Counties Excess Insurance Authority (CSAC EIA). For program year 2016/17, CSAC EIA provides statutory coverage for workers' compensation.

 

 

THROUGH CSAC EIA
LIBERTY INSURANCE CORPORATION  Statutory Coverage Excess of $50,000,000 for W/C
ACE AMERICAN INSURANCE COMPANY $45,000,000 Excess of $5,000,000 for W/C
LAWCX
LAWCX EXCESS WORKERS' COMPENSATION POOL Excess of Member Entity's SIR up to $5,000,000 for W/C & Employer's Liability
LAWCX MEMBER RETAINED LIMIT $150,000; $250,000; $350,000; $500,000; $1,000,000

 

Advantages of LAWCX Membership

  • Large payroll base to spread the risk of claims.
  • LAWCX's claims manager works directly with members on resolving claims.
  • LAWCX, as a group, purchases the excess coverage in order to obtain a more favorable rate from the underwriters.
  • Each member's contribution accumulates interest until those funds are required to pay a claim or until the time those funds are returned to the members.
  • A biennial claims audit for each member is included as part of the administrative costs.
  • Program management is contracted with a risk management consulting firm, resulting in program expenses averaging less than insured programs.
  • Board members represent all geographical regions in California, as well as representing both small and large entities.
  • Each direct member holds a seat on the Board of Directors.
  • JPA members have the freedom to choose from the available LAWCX retained limits to meet the individual needs of their underlying members.
  
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