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Coverage
PERMA is dedicated to providing financially secure, stable, and cost effective coverage programs to its members.Liability. The Liability Program provides defense and indemnity coverage against claims and suits arising…
Auto Physical Damage
PERMA group purchases commercial insurance for auto physical damage for vehicles. The program includes a $10,000,000 limit, a $25,000 pool deductible (inclusive of member deductible), and a member deductible of $5,000…
Crime
This program, administered by Alliant, provides employee theft including faithful performance of duty, forgery or alteration, and computer fraud coverage with the option of a $1M, $3M, or $5M limit of coverage excess the…
Cyber
The Cyber Liability program provides coverage for information security & privacy liability, privacy notification costs, regulatory defense & penalties, website media content liability, cyber extortion, first party…
Deadly Weapons Response Program
OverviewThe deadly weapons program (ADWRP) provides insureds with a limit of $500,000 per claim/aggregate. The $2,500,000 aggregate is shared by PERMA Members. The policy deductible is $10,000. The policy also provides…
Employee Benefits
Alliant provides employee benefits consulting as well as insurance brokerage services. Within employee benefits, the public sector practice works with more than 1,000 public entities including school districts, ports,…
Employment Practices Liability
The Employment Practices Liability program provides coverage for employment related lawsuits, such as wrongful termination and discrimination, through participation in the Employment Risk Management Authority (ERMA). The…
Liability
The Liability program provides defense and indemnity coverage against claims and suits arising from covered occurrences. Members select a member retention level (MRL) and jointly fund losses above the members’ retentions…
Property
PERMA group purchases commercial insurance for property, boiler & machinery, and pollution coverage on an All-Risk basis for property valued at approximately $2.6 billion. The program provides replacement cost…
Special Events
The special events program provides liability insurance when member-owned premises are used for special events or short-term activities. Examples include weddings, art festivals, parades, block parties, yoga classes, and…
Vendors/Contractors
The vendors/contractors program provides an option for vendors/contractors, with whom the public entity contracts for services, to obtain liability insurance. The premium is based on scope of work, length of contract,…