The City of Whittier receives excess insurance and other types of insurances (property, cyber liability, etc.) through a joint powers association group known as the California Insurance Pool Authority (CIPA: https://cipapool.org/). 

This membership is composed of 14 cities where financial and operational responsibility is shared by all the members.  

On a yearly basis, CIPA assigns each member City a “weight of exposure,” which is a loss exposure rate calculated by considering the City’s budget, how many employees are a part of the City team, how many City-owned vehicles are out on the road, and how many miles are driven.

Whittier’s loss exposure rate was estimated at 7.5%. However, after CIPA reviews the agency’s actual losses that exceed $500,000, the actual loss rate was estimated at a significantly higher rate of 52.5%.

Whittier is self-insured (SIR) up to $500,000, which serves as a safety net. This means that if something goes wrong and costs less than $500,000, the City is able to cover the expense. Anything beyond that, CIPA and excess insurance step in to cover the City for claims or lawsuits that exceed its SIR.  

Liability Presentation to City Council - December 13, 2022

Liability Presentation to City Council - March 28, 2023

Liability Presentation to City Council - May 23, 2023