caltip online

What caltip online does

CalTIP (California Transit Indemnity Pool), legally California Transit System Joint Powers Authority dba California Transit Indemnity Pool, is a member-driven Joint Powers Authority founded in 1987 that provides pooled insurance coverage, risk management, and safety resources exclusively to California public transit agencies. The organization operates as a public sector risk pool rather than a technology company, offering two core programs: a mandatory Liability Program covering general liability, public officials' errors and omissions, and auto liability with pooled coverage up to $2.75 million per occurrence plus excess reinsurance up to $25 million; and an optional Vehicle Physical Damage Program covering transit fleets for comprehensive and collision losses with pooled funding up to $100,000 and excess coverage up to $20 million. Supporting offerings include the Employment Risk Management Authority (ERMA) for employment practices liability, in-house risk control resources via The Guide (poolingguide.com), HR and policy libraries through Zywave integration, and a centralized vehicle schedule platform through Alliant Insurance Services.

CalTIP's business model is built on subscription-style recurring premiums paid by member agencies, with pricing determined through underwriting based on loss history, fleet size, and coverage selections rather than fixed public rates. Self-insured retention options for liability range from $0 (with $10,000 pre-funded) up to $350,000 per occurrence, while vehicle deductibles span $500 to $10,000. The pool operates on a May 1 to April 30 program year. Daily administration, claims handling, and operational oversight are outsourced to Sedgwick under contract, with Sedgwick staff functioning as the embedded General Manager, Deputy General Manager, Litigation Manager, Risk Control Manager, and other operational roles. Alliant Insurance Services serves as excess insurance broker, Bickmore Actuarial provides actuarial services, and a network of legal, claims audit, and financial audit vendors round out the service stack.

CalTIP serves 30+ California public transit agencies, having grown from 12 founding members at inception. Member representation includes agencies such as City of Lodi (Board Chair), Monterey-Salinas Transit District (Vice Chair), San Luis Obispo Regional Transit Authority (Treasurer), Livermore Amador Valley Transit Authority, San Joaquin Regional Transit District, Santa Cruz Metropolitan Transit District, City of Gardena, Golden Empire Transit District, Western Contra Costa Transit Authority, Nevada County, El Dorado County Transit Authority, City of El Monte, City of Vacaville, Town of Truckee, City of Culver City, and Amador Transit. The organization holds CAJPA Accreditation with Excellence (2020) and AGRiP Accreditation. Revenue is not publicly disclosed; financials are accessible only through the member portal. The organization has no external investors, no subsidiaries, and no M&A activity, operating as a self-contained, member-owned public sector risk pool.

Name

caltip online

Legal name

California Transit System Joint Powers Authority dba California Transit Indemnity Pool (CalTIP)

Website

https://caltiponline.org

Company type

Private

Founded year

1987

Operating status

Operating

Short description

CalTIP is a California Joint Powers Authority providing pooled liability insurance, vehicle physical damage coverage, employment practices liability, and risk management services to 30+ public transit agencies statewide, operating since 1987 on a member-governed, non-profit basis.

Ownership category

akta.pro rank

Product category

Public Sector Insurance Pooling

NAICS

Insurance and Employee Benefit Funds (5251), Other Insurance Funds (525190)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

akta.pro secondary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Public entity insurance pooling
• Transit liability coverage
• Risk management services
• Joint powers authority
• Vehicle physical damage insurance

Headquarters

HQ city

Sacramento

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Marketing or Sales, Others

Revenue model

1. Liability Program Premiums: Mandatory liability program where member agencies pay premiums based on their selected self-insured retention level ($0 pre-funded, $25,000, $50,000, $100,000, $250,000, or $350,000). Members receive pooled coverage up to $2.75 million plus excess coverage up to $25 million.
2. Vehicle Physical Damage Program Premiums: Optional vehicle physical damage coverage where members select deductible options ($500 to $10,000) and pay premiums for comprehensive and collision coverage with pooled funding up to $100,000 and excess insurance up to $20 million.
3. Employment Risk Management Authority (ERMA): Optional employment practices liability coverage and training services for eligible stand-alone agencies, providing wrongful termination, discrimination, harassment, and retaliation coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

CalTIP provides pooled liability, vehicle physical damage, and employment practices liability insurance coverage to California public transit agencies through a member-driven Joint Powers Authority model. Coverage is delivered via shared pooled layers with excess reinsurance, combined with risk control, claims administration, and safety resources operated through contracted third-party administrators (Sedgwick) on a May 1 to April 30 program year.

Product overview

CalTIP offers a unified insurance and risk management platform for California public transit agencies, centered around two core coverage programs: the mandatory Liability Program providing general liability, errors & omissions, and auto liability with pooled and excess coverage; and the optional Vehicle Physical Damage Program covering transit vehicles for comprehensive and collision losses. Additional offerings include Employment Risk Management Authority (ERMA) for employment practices liability, Safety and Risk Control Services, and a Member Portal providing secure access to documents, coverage information, and resources. The programs operate on a May 1 to April 30 program year with bundled services including claims administration, underwriting, and risk management support.

Differentiator

Problem solved

Functional benefit

Products and services

• Liability Program CalTIP's mandatory Liability Program provides protection against covered losses wherein the member is legally liable for bodily injury or physical damage caused by the member itself or an owned vehicle. Provides general liability, public officials' errors & omissions, and auto liability with pooled coverage up to $2.75 million plus excess coverage up to $25 million.
• Vehicle Physical Damage Program CalTIP's optional Vehicle Physical Damage Program covers transit, staff, and maintenance vehicles for comprehensive and collision losses. Coverage combines pooled funding up to $100,000 with excess insurance up to $20 million per occurrence, with member-selectable deductibles from $500 to $10,000.
• Employment Risk Management Authority (ERMA) CalTIP offers members the opportunity to join the ERMA JPA for employment practices liability coverage including wrongful termination, discrimination, harassment, and retaliation, focused on services, training, and litigation management for eligible stand-alone agencies.
• Safety and Risk Control Services CalTIP Safety and Risk Control materials providing annual Risk Control Work Plan, Field Service Options, and Enhanced Member Communications webinar recordings, covering fleet safety, employment practices, emergency response, and liability prevention topics for transit agencies.

Quantifiable outcome

• Serving 30+ transit operators across California since 1987

Named customers15 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Seven partnerships are on record, tiered core, major and supporting.

• SedgwickcoreImplementation/ SI/ Consulting PartnerSedgwick provides self insurance program administration including General Manager, Deputy General Manager, claims administration, litigation management, and daily operational oversight for CalTIP. Staff contacts include Sarah Bishop (General Manager), Maria De Leon (Deputy General Manager), and Summer Simpson (Claims Director - Liability).
• Alliant Insurance ServicescoreTechnology or IntegrationAlliant Insurance Services serves as the excess insurance broker and provides the Alliant Vehicle Schedules platform for maintaining member vehicle schedules. Contact: P.J. Skarlanic (Assistant VP) and Janelle Manalo for certificate requests.
• ERMA (Employment Risk Management Authority)coreStrategic or Co-development PartnerERMA provides employment practices liability coverage and training for eligible CalTIP members. CalTIP offers members the opportunity to join the ERMA JPA for EPL coverage including wrongful termination, discrimination, harassment, and retaliation. Contact: Rob Kramer (Executive Director).
• Bickmore ActuarialmajorImplementation/ SI/ Consulting PartnerBickmore Actuarial provides actuarial services for CalTIP including analysis of loss reserves, rate development, and financial projections. Contact: Mike Harrington (President and Principal).
• Praxis Claims ConsultingsupportingImplementation/ SI/ Consulting PartnerPraxis Claims Consulting provides claims auditing services to ensure claims handling quality and compliance. Contact: Tim Vincent.
• Sampson & Sampson, LLPsupportingImplementation/ SI/ Consulting PartnerSampson & Sampson, LLP provides financial auditing services for CalTIP. Contact: Allison Gregg, CPA.
• Alliston Law OfficesupportingImplementation/ SI/ Consulting PartnerAlliston Law Office provides general counsel services for CalTIP. Contact: Doug Alliston.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Others

• Alliant Insurance Services: National insurance brokerage serving as CalTIP's excess insurance broker and managing member vehicle schedules—adjacent service provider in the same California public-entity risk ecosystem.
• Sedgwick: Third-party administrator providing daily operational staffing to CalTIP and many other public-entity risk pools across the U.S.—not a competitor but the dominant operations partner in the same market.
• California Association of Joint Powers Authorities (CAJPA): Industry association that accredits California JPAs including CalTIP—provides the accreditation framework, peer benchmarking, and best-practice standards that shape how CalTIP and peer pools operate.
• Bickmore Actuarial: Actuarial firm providing loss-reserve analysis and rate development for CalTIP and many California public-entity JPAs—specialized service provider operating within the same pooled-risk ecosystem.
• Association of Governmental Risk Pools (AGRiP): Industry association that accredits public-entity risk pools including CalTIP—not a peer pool but the umbrella body governing accreditation standards that CalTIP meets, and a useful reference for the broader risk-pool universe.

Direct peers

• Schools Excess Liability Fund (SELF): California JPA providing pooled excess liability and property coverage to California school districts and community colleges—shares the member-driven JPA risk-pool structure, CAJPA accreditation framework, and pooled coverage model that CalTIP uses for transit.
• Public Risk Innovation, Solutions, and Management (PRISM): California multi-line public entity risk pool providing pooled liability, property, and workers' compensation coverage to California public agencies—same JPA structure, geographic market, and member-driven model as CalTIP, just broader in scope.
• Local Agency Workers' Compensation Excess (LAWCX): California JPA providing pooled workers' compensation excess coverage to California public agencies—same member-driven JPA structure, CAJPA accreditation, and pooled insurance mechanics as CalTIP but focused on workers' compensation rather than liability.
• CSAC Excess Insurance Authority: California county-level JPA risk pool providing excess liability, property, and workers' compensation coverage to California counties and public agencies—shares the CAJPA-governed pooled insurance model with CalTIP and serves overlapping California public-sector members.
• California State Association of Counties (CSAC) Excess Insurance Authority: One of California's largest public-entity risk pools providing multi-line coverage with a CAJPA-accredited framework; directly comparable to CalTIP's JPA governance, CAJPA accreditation, and pooled risk-transfer approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about caltip online