Group purchase programs help decrease the cost of insurance when compared to individual purchase. Several products are offered at CVMIC:


Employment Practices Liability Insurance

Provides primary public officials liability insurance coverage up to $1,000,000 per occurrence/annual aggregate. Deductibles can vary based on size of municipality.


Excess Public Entity Liability Insurance

Provides an additional $5,000,000 of coverage above CVMIC’s $5,000,000 insurance program. Group purchase costs are spread across the membership based on the size of the municipality.


Boiler and Machinery Insurance

Insures equipment breakdowns up to $100,000,000 in excess of the deductible selected by the member.



Commercial Crime Insurance

Insures employee dishonesty up to $1,000,000 with a deductible of $5,000 if qualifying for coverage.


Special Events Insurance

Provides a low cost insurance product to insure outside groups using members’ facilities. The coverage provides a $1,000,000 policy limit with the member added as an additional insured. This can provide a cost-effective method for transferring risk. The coverage is offered on a “pay as you use it” basis.


Volunteer Accident Protection Insurance

Provides accidental death and dismemberment medical coverage for municipality volunteers up to $100,000 for medical per occurrence.