If your insurance premiums have shot up over the last few years, you’re certainly not alone. With rising costs and uncertainty in the market, it’s getting harder to find coverage that’s both affordable and dependable. That’s where MemberGuard comes in. It’s a smart, cost-effective option tailored specifically for California water entities—designed to help you manage rising premiums without compromising the protection your operations need.
But don’t take our word for it! Here’s what two of our newest members had to say after making the switch:
“We are a small rural water association of which all our twenty-two members are deeded owners. We set our own water rates during our annual budgetary meeting. Over the last 10 years, the cost of running a small water association has increased three-fold.
Two years ago, we found ourselves without insurance for our association due to an oversight by our insurance broker who failed to contact us when our policy needed to be renewed. We searched for over 18 months for a company to insure us. I reached out to the Customer Service Representative, Erika Canham, who introduced me to the pool insurance offered through your organization. She guided me through the application process for joining MemberGuard and the JPA that allows for the pool insurance. Once approved, we saved about $1,300 a year on our insurance for the same coverage as our last insurer.
I wanted to thank CRWA for being there to help small water companies that have very tight budgets.”
— David F., Sonoma County
“When our premiums increased in a three-year period by 278% without any claims or changes in coverage, we knew it was time to shop for a new provider. Working with Dustin Hardwick and Erika Canham from CRWA made the transition process flawless. Our premium with MemberGuard is 445% less than our premium last year, and 160% less than our initial premium 3 years ago! That is hard to believe in today’s insurance market! We are confident we have a better policy which provides our needs, and we are looking forward with maintaining coverage through MemberGuard for many years to come.”
— Matt A., San Diego County
With insurance costs rising and the market’s instability affecting everyone, MemberGuard provides a strategic alternative that can help your organization control costs without compromising coverage. Don’t let unpredictable premiums derail your budget—take a closer look at what MemberGuard can offer.
Explore how MemberGuard can help you navigate today’s challenging insurance landscape!
Important: If you’re currently part of another risk pool, be aware that many programs require advance notice for exit and may charge an early exit fee. Be sure to consult with your insurance broker or one of our licensed agents if you’re already in a risk pool Program, if you’re considering switching to MemberGuard.
Comprehensive Package Policies include coverage for:
- Property (fire coverage)
- Crime
- General Liability
- Business Auto
- Inland Marine
- Public Officials and Management Liability
- Workers Compensation
Please contact our office if you wish to speak with a licensed agent that specializes in water utility insurance coverage.
Erika Canham – Customer Service Representative License #4129002
Utility Resource Insurance Services (URIS) License #0G58189
California Rural Water Risk Management Authority
Call: (916) 612-8598
Email: ecanham@urisinsurance.com
