The STRENGTH you need.
The PARTNERSHIP you expect.

Coverages

With our multitude of coverages, you are truly protected.

Over the years, we have diligently listened to our members to provide a growing number of coverages in house. It matters to us that we be a true one-stop shop for all of your coverage needs. Below is a list of categories of members that we specialize in and the coverages we provide for each:

Featured Coverages

  • School Security – Our School Security Risk program deals with the financial and human challenges of such incidents and potential subsequent litigation, provides preventive and crisis-management advice from security experts, and gives access to crisis-response consultants in the event of a security incident. Learn more…
  • Line of Duty Act (LODA) – LODA provides benefits to certain public safety employees and volunteers who hold specific, hazardous duty positions. Effective 2011, LODA coverage must be provided to these individuals by the public entity they serve. Learn more…
  • Volunteer Accident & Sickness – As the only pool in the Commonwealth licensed to provide Accident and Sickness coverage, VACORP offers this protection for those volunteers who dedicate their time to you. Learn more…
  • Hybrid Disability – VACORP is proud to offer a disability benefits program for Virginia Retirement System Hybrid Retirement employees. Learn more…
  • Student Accident – VACORP provides Student Accident coverage for everyday injuries and catastrophic coverage for the most severe sports-related injuries. is can help ensure that students are covered for most incidents, therefore minimizing parents’ out-of-pocket medical expenses. Learn more…
  • Cyber Protection – In the rapidly-evolving landscape of the technology world, new threats are always around the corner. VACORP’s cyber coverage covers all the latest threats and liability concerns. Learn more…
  • TULIP Event Coverage – VACORP’s TULIP program will provide your events or events by a third party on your property with the necessary coverage needed for potential liability and property damage. Learn more…

Specialty Coverages

But every public entity is different and has unique needs, activities, conditions, liabilities, and assets that need protection. Beyond the vast breadth of coverage provided by VACORP, we partner with dozens of other providers to offer specialty coverages, such as:

  • National Flood Insurance Program – Flood coverage for properties located in 100-year flood plain or coastal plain
  • Excess Flood – Flood coverage in excess of National Flood Insurance Program limit
  • Storage Tank Liability – Satisfies state requirements for underground or above-ground tanks
  • Performance Bonds – License and Permit Bonds for construction projects to guarantee compliance, and Fiduciary Bonds for security when managing the property of others
  • Animal Mortality – Coverage for canines trained for law enforcement activities, if stolen or in the event of death due to accident, injury, sickness or disease
  • Liquor Liability – Liability coverage for entities selling alcoholic beverages
  • Catastrophic Accident – Additional coverage, limits, and benefits for unique risks
  • Event Insurance – Covers loss of revenue or commitment of expenses due to cancellation for adverse weather conditions
  • Medical Malpractice – Liability coverage for healthcare providers and professionals licensed to practice medicine
  • Airport Liability – Liability associated with the operation of an airport and its aircraft
  • Marina Liability – Liability associated with operation of a marina and its watercraft
  • Difference in Conditions (DIC) – Broadens coverage for perils such as flood & earthquake