Auto Physical Damage

Optional coverage which protects the member’s leased or owned scheduled vehicles as well as short-term rentals for physical damage. Members decide to cover their scheduled vehicles for either Actual Cash Value or Replacement Cost Coverage.

Crime and Fidelity

Optional coverage to protect members from a loss of money, security, or other property due to theft including computer fraud, funds transfer fraud, forgery, etc.


Coverage provided to all members. The Cyber policy includes coverage for data breach and related expenses such as notification and credit monitoring, bricking, cyber extortion, ransomware, etc.

Equipment Breakdown

Optional coverage for loss due to mechanical or electrical breakdown for scheduled property locations.


WCIA provides Liability coverage to all members. This includes General Liability, Automobile Liability, Stop-Gap Coverage, Errors or Omissions Liability, Employee Benefits Liability and Employment Practices Liability Coverage. WCIA’s coverage starts at dollar one; however, members have the option of having a Liability deductible.

Pollution Premises Liability

Coverage provided to all members. The Pollution policy covers member scheduled locations for indoor/outdoor environmental pollution, including remediation costs, such as investigating, removal, disposal, and cleanup.


Optional coverage which protects the members scheduled property items and locations for covered losses such as fire, earthquake and flood.