CalMutuals JPRIMA

CalMutuals Joint Powers Risk and Insurance Management Authority (JPRIMA) is the nation’s first of its kind pool for mutual water companies and smaller systems. Cal Mutuals was formed EXCLUSIVELY to serve the interests of mutual water companies and smaller systems; Cal Mutuals initiated the California legislation that allowed mutual water companies to join an insurance pool (AB656, Sept 2015). JPRIMA has a separate board of directors comprised of fellow mutual water company representatives.

JPRIMA coverages exceed those offered by alternatives, and our rates are prudently competitive. Another distinction is the inclusion of property & liability and workers’ compensation within JPRIMA. Eligible classes include water, sewer, irrigation and other special service entities. Allied Public Risk has more than 20 years of experience underwriting water-related entities and has adjusted tens of thousands of claims. Staffing includes industry experts, with close affiliations with affinity groups and associations. Product guidance is extended by a water treatment and distribution operator. Each of our products is offered on a fully reinsured basis, and there is no financial risk to our members.

Coverage Highlights

  • Property
  • Boiler & Machinery
  • Crime
  • General Liability
  • Public Officials and Management Liability
  • Business Auto
  • Excess Liability
  • Privacy Liability and Network Risk
  • Workers’ Compensation

Specialty Enhancements

  • Blanket Property Limits
  • No Coinsurance Penalty
  • Water and Wastewater Testing Errors and Omissions
  • Waterborne Asbestos
  • Pollution Liability
  • Sewage from Backups and Breaks
  • Failure to Supply
  • Dam and Levee Failure Liability
  • Outside Directorship
  • Fleet Automatic

Appetite & Availability

Targeted Classes

  • Water Companies
  • Water Districts
  • Sewer Districts
  • Irrigation Districts
  • Special Multi-purpose Entities


This program is restricted to the state of California.