CSAC Excess Insurance Authority
CSAC Excess Insurance Authority (PRISM) is a California joint powers authority and non-profit risk-sharing pool serving counties, cities, school districts, and special districts with property & casualty coverage, employee benefits, and risk management consulting, headquartered in Folsom, California since 1980.
- Company typePrivate
- Founded1980
- HeadquartersFolsom, United States
- Headcount—
- GTM typeB2B
- OfferingServices
What CSAC Excess Insurance Authority does
CSAC Excess Insurance Authority, operating under the brand PRISM (Public Risk Innovation, Solutions, and Management), is a private, member-directed, non-profit insurance risk-sharing pool established in 1980 and headquartered in Folsom, California. The organization is structured as a joint powers authority under California law and is affiliated with the California State Association of Counties (CSAC). It serves California public entities, including counties, cities, school districts, and special districts, pooling their risk to obtain coverage and services that individual members could not procure on comparable economic terms.
PRISM delivers three primary product lines: property and casualty coverage (including excess liability and workers' compensation), employee benefits (medical, dental, vision, and the PRISMHealth program integrating digital chronic-care tools), and risk management consulting. Through partnerships with carriers and service providers — including Ameritas for dental, Livongo for diabetes management, Hinge Health for musculoskeletal care, Concern for first-responder behavioral health, and Alliant Insurance Services for brokerage — PRISM aggregates member demand to negotiate group pricing, structure pooled coverage, and administer benefits. The PRISM Captive program adds an alternative captive risk-bearing structure for members seeking flexibility beyond the traditional excess pool arrangement.
The business model is contribution- and premium-based: member public agencies pay into the pool or purchase coverage through PRISM-arranged programs, and the entity operates on a cost-recovery basis consistent with its non-profit JPA status. Revenue is not publicly disclosed. The value proposition rests on collective purchasing scale, regulatory standing as a California joint powers authority, and an integrated risk-management-plus-benefits platform that has retained members across more than four decades of operation.
CSAC Excess Insurance Authority firmographics
Firmographics- Name
- CSAC Excess Insurance Authority
- Legal name
- CSAC Excess Insurance Authority
- Website
- https://csac-eia.org
- Company type
- Private
- Founded year
- 1980
- Operating status
- Operating
- Short description
- CSAC Excess Insurance Authority (PRISM) is a California joint powers authority and non-profit risk-sharing pool serving counties, cities, school districts, and special districts with property & casualty coverage, employee benefits, and risk management consulting, headquartered in Folsom, California since 1980.
- Ownership category
- akta.pro rank
CSAC Excess Insurance Authority industry classification
Industry- Product category
- Public Entity Insurance Pooling
- NAICS
- Other Insurance Funds (52519), Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524)
- SIC
- Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Excess Liability Insurance (FSAJANAC)
- akta.pro secondary industry
- Commercial Excess Liability (Large Accounts) (FSAJANAG)
Keywords
Where CSAC Excess Insurance Authority is headquartered
LocationHeadquarters
- HQ city
- Folsom
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CSAC Excess Insurance Authority business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Insurance Premiums: PRISM generates revenue through insurance premiums paid by member public entities for property & casualty coverage and employee benefits programs. Members pay into the pool to share risk and access cost-effective coverage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Quote-based insurance programs customized to member needs |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels6 records
CSAC Excess Insurance Authority product offering
Product offeringCore offering
CSAC Excess Insurance Authority, operating as PRISM (Public Risk Innovation, Solutions, and Management), is a member-directed insurance risk sharing pool that provides property and casualty coverage, employee benefits programs, and risk management services to California public entities. Coverage offerings include General Liability, Workers' Compensation, Medical Malpractice, Property, and Master Rolling Owner Controlled Insurance Program (ROCIP), complemented by PRISMHealth, Dental, EAP First Responder Program, Paid Family Leave, and ancillary benefits, along with the PRISM Captive affiliate risk captive program.
Product overview
PRISM (Public Risk Innovation, Solutions, and Management) is a member-directed insurance risk sharing pool operated by CSAC Excess Insurance Authority. The organization offers a comprehensive portfolio of property & casualty coverage programs (including General Liability, Workers' Compensation, Medical Malpractice, Property, and ROCIP) alongside employee benefits programs (PRISMHealth with Livongo and Hinge Health integrations, Dental via Ameritas, EAP First Responder Program, Paid Family Leave, and ancillary coverages). The platform includes risk management services and a captive affiliate risk program. PRISM serves California public entities with integrated insurance and risk management solutions.
Differentiator
Problem solved
Functional benefit
Brands
- PRISMHealth: Employee health benefits program partnering with Livongo and Hinge Health for diabetes and musculoskeletal health management.
- PRISM Captive
- EAGLE Awards
Products and services
- Property & Casualty Coverage Programs
- Employee Benefits Programs
- General Liability Coverage
- Workers' Compensation Coverage
- Medical Malpractice Coverage
- Property Coverage
- Master Rolling Owner Controlled Insurance Program (ROCIP)
- PRISMHealth Program
- Dental Benefits
- Employee Assistance Program (EAP) / First Responder Program
- Paid Family Leave
- Ancillary Coverages
- Risk Management Services
- PRISM Risk Control Menu of Services
- PRISM Captive — Affiliate Risk Captive
Companies that use CSAC Excess Insurance Authority
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
CSAC Excess Insurance Authority technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
CSAC Excess Insurance Authority partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- ConcerncorePRISM partnered with Concern to provide the PRISM First Responder Program, offering culturally competent support, training, and critical incident response to First Responders and their families. The program includes in-the-moment crisis support, face-to-face or virtual clinical care sessions, peer support groups, and advocacy.
- LivongocorePRISM partners with Livongo for the PRISMHealth program to provide employees with digital glucometers and real-time clinical support for diabetes management. Results are collected via mobile app and sent to a clinical care team for coaching and support.
- Hinge HealthcorePRISM partners with Hinge Health for the PRISMHealth program to provide wearable sensors for musculoskeletal health management. Results are collected via mobile app with clinical coaching and in-person support provided to help employees on a path to health and wellness.
- AmeritascorePRISM partners with Ameritas for dental benefits, addressing rural provider network issues and enhancing out-of-network benefit options. The partnership provides unique plan designs and care incentives with flexible out-of-network benefit allowance options and increased provider reimbursement.
- Alliant Insurance ServicesminorAlliant Insurance Services serves as a contact point for PRISM members, providing insurance services coordination and support. Listed under the Connect With Us section of the PRISM website.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
CSAC Excess Insurance Authority competitors and assessment
Company assessmentDirect peers
- Alliant Insurance Services: National insurance brokerage with a strong public entity practice and existing partner relationship with PRISM. Comparable given its role providing insurance services coordination to California public entities.
- Keenan & Associates: California-based insurance brokerage and risk management firm focused on public entities, schools, and healthcare. Direct comparable to PRISM in serving California public sector risk management and insurance needs.
- Schools Insurance Authority (SIA): California joint powers authority providing property and liability coverage to school districts. Comparable to PRISM as a public entity risk pool operating under the JPA structure in California.
- Golden State Risk Management Authority: California JPA risk pool providing workers' compensation, liability, and property coverage to public agencies. Closely comparable to PRISM in structure, product mix, and target customer base.
- Statewide Association of Community Colleges (SWACC): California JPA providing risk management and insurance programs to community college districts. Comparable to PRISM as a member-directed public entity pool serving California education and government segments.
Regional players
- Trident Public Risk Solutions: Public sector-focused insurance program manager offering coverage solutions to public entities nationwide. Comparable to PRISM in target customer base and product focus, though operating outside California.
Broad incumbents
- California State Compensation Insurance Fund: California's state-established workers' compensation provider competing with PRISM for government and public entity workers' comp coverage. Comparable given product overlap and shared public sector customer base.
- Marsh & McLennan: Global insurance broker and risk advisor with significant public sector presence. Overlaps with PRISM in serving large public entity clients, though primarily as a broker rather than a risk pool.
- Arthur J. Gallagher & Co. Global insurance brokerage with a major public entity and risk pool practice. Comparable to PRISM as it serves California public agencies with brokerage and risk management services, though at much broader scale.
Others
- California Association of Joint Powers Authorities (CAJPA): Industry association representing California JPA risk pools, including PRISM peer pools. Relevant as an ecosystem-level peer that supports the same JPA risk-pooling model.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
CSAC Excess Insurance Authority social profiles
Digital presenceCSAC Excess Insurance Authority financial estimates
Financial estimateRevenue estimate
Valuation estimate
CSAC Excess Insurance Authority leadership team
Management profileNumber of profiles
CSAC Excess Insurance Authority subsidiaries and ownership
Company hierarchySubsidiaries2 records
CSAC Excess Insurance Authority funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CSAC Excess Insurance Authority M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CSAC Excess Insurance Authority
What does CSAC Excess Insurance Authority do?
CSAC Excess Insurance Authority, operating as PRISM (Public Risk Innovation, Solutions, and Management), is a member-directed insurance risk sharing pool that provides property and casualty coverage, employee benefits programs, and risk management services to California public entities. Coverage offerings include General Liability, Workers' Compensation, Medical Malpractice, Property, and Master Rolling Owner Controlled Insurance Program (ROCIP), complemented by PRISMHealth, Dental, EAP First Responder Program, Paid Family Leave, and ancillary benefits, along with the PRISM Captive affiliate risk captive program.
Is CSAC Excess Insurance Authority a public or private company?
CSAC Excess Insurance Authority is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was CSAC Excess Insurance Authority founded?
CSAC Excess Insurance Authority was founded in 1980.
Where is CSAC Excess Insurance Authority based?
CSAC Excess Insurance Authority is headquartered in Folsom, United States, in the North America region.
How does CSAC Excess Insurance Authority make money?
One revenue line is on record: insurance Premiums.
Who are CSAC Excess Insurance Authority's main competitors?
Direct peers on record are Alliant Insurance Services, Keenan & Associates, Schools Insurance Authority (SIA), Golden State Risk Management Authority and Statewide Association of Community Colleges (SWACC). Trident Public Risk Solutions is listed as a regional player. Broad incumbents are California State Compensation Insurance Fund, Marsh & McLennan and Arthur J. Gallagher & Co.. California Association of Joint Powers Authorities (CAJPA) is listed as an others.
Does CSAC Excess Insurance Authority have an API?
No public API is recorded for CSAC Excess Insurance Authority.
What industry is CSAC Excess Insurance Authority in?
CSAC Excess Insurance Authority's product category is Public Entity Insurance Pooling. Its primary akta.pro industry code is FSAJANAC, Excess Liability Insurance, with a secondary code of FSAJANAG, Commercial Excess Liability (Large Accounts). Its NAICS code is 52519 and its SIC code is 6399.