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Excess Liability

CARMA provides excess coverage for third-party liability claims. Coverage includes errors and omissions coverage for employees and officials when making decisions on behalf of the city.


Establishment of California Affiliated Risk Management Authorities Captive (CARMAC) was unanimously approved at the January 7, 2022, CARMA Board of Directors Meeting.

High Exposure Liability Prevention Program (HELPP)

CARMA is committed to helping member agencies with public safety departments reduce risk and promote best practices through targeted training initiatives.