MemberGuard Could Help!

If you’ve noticed your insurance premiums skyrocketing this year, you’re not alone. With market volatility and increased costs impacting nearly every sector, it’s more important than ever to find a reliable, cost-effective alternative that doesn’t sacrifice coverage. MemberGuard offers a competitive solution for California water entities that could help mitigate rising premiums while ensuring your operations remain fully protected.

Why Consider MemberGuard in Today’s Insurance Market?

With the unpredictable nature of today’s insurance market and the steady increase in premiums across the board, MemberGuard stands out as a fully reinsured property and casualty pool specifically tailored to the unique needs of California water entities. MemberGuard offers substantial premium savings compared to both traditional insurance markets and other risk pools—savings that can help cushion the impact of rising costs and provide your organization with more financial flexibility.

But saving on premiums is just the beginning. As a MemberGuard member, you’ll gain access to specialized training, technical services, and resources through the California Rural Water Association (CRWA), giving you an edge in managing your water system more efficiently—while keeping costs under control.

How Does MemberGuard Work in Today’s Volatile Market?

In an environment where insurance markets are increasingly volatile, reinsurance plays a critical role in managing risks and stabilizing premiums. Reinsurance allows MemberGuard to share the financial burden of large losses, keeping premiums more predictable and affordable for all members. This added layer of security can provide peace of mind in uncertain times.

Additionally, MemberGuard’s risk pool model means that each member contributes to a shared fund. When a covered loss occurs, the pooled funds help cover the cost, distributing the financial impact across all participants. This collaborative approach ensures that your premiums are used effectively, further insulating you from price hikes and unexpected expenses.

Why Make the Switch to MemberGuard?

• Waived Membership Fee: Get your first year’s CRWA membership free, giving you immediate access to exclusive technical training, valuable resources, and discounted services from trusted providers.
• Top-Tier Reinsurer: MemberGuard’s reinsurance partner holds an “A+” (XV) Superior rating from A.M. Best, ensuring financial strength and long-term stability, even in times of market uncertainty.
• Experienced Management: With years of expertise in managing insurance for California’s water and wastewater sectors, MemberGuard provides responsive service and tailored support for your unique needs.

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.

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!

Comprehensive Package Policies include coverage for:

• Property (fire coverage)
• Crime
• General Liability
• Business Auto
• Inland Marine
• Public Official’s 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