Excess Liability Program
Since its inception in 1986, SELF's Excess Liability Program has been and continues to be the premier and preferred program statewide for California's public schools and educational agencies. The program, which is the centerpiece of SELF's offerings to its members, uses established methods of loss funding to provide optimal pricing and coverage to protect California's schools from the devastation of a catastrophic loss.
SELF provides coverage to public educational agencies. The program year begins July 1.
The following are the rates and retention levels we offer for the 2025/2026 program year:
Retention Levels
$54 million in excess of $1 million
$50 million in excess of $5 million
K-12 / Charters
Quote on Request
$30.40/ADA
Community Colleges
Quote on Request
$16.75/ADA
Non-ADA Members
Quote on Request
$14,600
Minimum Contribution
N/A
$2,750
*New members attaching at $1M will be subject to individual underwriting and rating. Contact our office for more information.
Average Daily Attendance (ADA); Full-Time Equivalent Students (FTES)
Minimum Contribution amounts apply if a members' total contribution is less than the minimum for that retention level.
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Change of Retention Form - Any change to your retention level for the 2026/27 year must be submitted by March 1, 2026.
New Member Application Process
Membership in the Excess Liability Program can be granted at any time during the year. An application form and instructions on how to apply can be found below.
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Excess Liability Program - New Members
Excess Liability Program - District Application Process
To join this program you will need to complete the documents listed below, and submit them for approval by the SELF Board or Executive Committee.
By signing the SELF JPA Agreement, you agree to stay with the program for a minimum of three years.
Membership approval can be backdated up to 30 days prior to the date the completed documents are received by the SELF office. The Board or Executive Committee meet monthly. You can check for the next meeting by checking the SELF Meetings section.
Application Documents to Complete
1. A Liability Program Application Form
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2. A signed JPA Agreement
3. Board Resolution to join SELF
4. Loss run containing full claim history or at least the last 10 years
Once the application is approved, the member or its primary JPA will receive an invoice and will have 60 days to submit payment.
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Excess Liability Program - Charter School Application Process
Charter schools can have coverage through SELF in two ways.
1. By direct application and membership (charter must belong to a member JPA)
2. As a charter affiliate - added by its parent district
Typically a charter school will apply for coverage directly when the Charter agreement or sponsoring school district agreement requires that the charter school obtain its own coverage. If a charter has its own governing board, it must go through the complete application process.
Membership approval can be backdated up to 30 days prior to the date the completed documents are received by the SELF office. The Board or Executive Committee meet monthly. You can check for the next meeting by checking the SELF Meetings section.
For membership, we require the charter school to complete the following:
Application Documents to Complete
1. A Liability Program Application Form
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2. A signed JPA Agreement
3. Board Resolution to join SELF
4. In some cases, a loss run may be required.
5. Copies of the school's charter document, memorandum of understanding with sponsoring district or county office, articles of incorporation, bylaws and/or any other relevant documentation.
Once these items are received from the charter school, we submit to the Board or Executive committee for approval.
As a member of SELF, the charter school will receive correspondence such as newsletters and annual reports.
Excess Liability Program (Charter School Affiliate Registration Process)
A school district, county office or charter school that is already a member in SELF’s Excess Liability Program must register any charter affiliate with SELF to ensure coverage.
A Charter Affiliate is defined by SELF as:
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A Charter School that is sponsored by the parent member district and is not required by its charter agreement to obtain its own coverage
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A Charter School that does not have its own governing board