What is our total amount of liability coverage?
Currently, the total liability coverage for any single claim is $29 million (there is no aggregate policy limit). The first line of coverage is the member's SIR. MPA covers the first $1 million per occurrence including the member's SIR.

Above the MPA retained limit of $1 Million per occurrence, CARMA (the excess pool) covers another $3 Million per occurrence, then purchases commercial excess coverage of another $25 Million, for a total limit of $29 Million for covered claims.

Member's deductible plus MPA limit of liability = $1,000,000
Excess pool limit of liability = $28,000,000
TOTAL limit of liability = $29,000,000

Show All Answers

1. What is our total amount of liability coverage?
2. Do defense costs (attorney fees, expert costs, etc.) erode our policy limits?
3. How does our liability SIR work?
4. How do I submit a Liability claim to MPA?
5. How should I respond when claimants call with questions in response to official notices sent by the City on their claims?