Property & Liability

Property coverage includes buildings, facilities, automobiles, specialized vehicles, and major equipment, and liability coverage protects from a variety of governmental entity exposures such as cyber, land-use, public officials, law enforcement, and more.

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Workers’ Compensation

VRSA ensures injured employees receive high quality medical care, and that member employers are kept apprised of the claim, that return to work opportunities are identified, and that communication between employees, employers and medical providers are effective.

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Line of Duty Act

The Line of Duty Act (LODA) provides eligible public safety employees/volunteers with benefits such as a lump-sum death benefit and health insurance if killed or disabled in the line of duty. This coverage may be purchased through VRSA.

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Hybrid Disability Coverage

Protects employees against income loss if they are unable to work because of physical disease, mental disorder, injury or pregnancy.

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VRSA offers cybersecurity resources and services to help you identify and implement controls. VRSA was the first group self-insurance pool in the Commonwealth to provide cyber protections, and we continue to update them as the cybersecurity environment evolves.

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Event Coverage – TULIP

Individuals and organizations that use member facilities are not covered by VRSA. The Tenant User Liability Insurance Program (TULIP) provides temporary insurance for those utilizing member facilities.

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Brokered Products

At times, members may have exposures that require specialty insurance. In these cases, VRSA works with our members to obtain coverage. Common placements include:

  • National Flood Insurance Program
  • Excess Flood
  • Storage Tank Liability
  • Medical Malpractice
  • Airport Liability
  • Event Insurance
  • Individual Bonds