KANSAS COUNTY ASSOCIATION MULTILINE POOL
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Frequently Asked Questions

Have questions about the services KCAMP can provide your entity? Check out our FAQ's or feel free to contact our office and we will be glad to answer any questions you have.

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  • What is KCAMP? 
    KCAMP is a group self-insured property/casualty plan formed under Kansas law, K.S.A. 12-2616 et seq., the Kansas Municipal Group-Funded Pool Act and subject to regulation under that act by the Kansas Insurance Department. KCAMP is not an insurance company.

  • What is a group self-insured property/casualty plan? 
    This is a plan in which similar entities band together to self-insure their property/casualty exposures. Members pay KCAMP annual contributions.  KCAMP in turn pays losses and provides managed claims service and dedicated loss prevention services for its owner/members.

  • How is KCAMP funded?
    KCAMP is funded by annual member contributions. Rates charged to members are approved by the Board of Trustees and filed with the Kansas Insurance Department. Rates are established to ensure funding sufficient to pay the pool's administrative expenses and losses that are annually projected by an independent, credentialed actuary.  

  • Is KCAMP profitable? 
    KCAMP's goal is to show a profit in the form of member-owned net assets. These net assets are created by a conservative funding approach, effective loss prevention programs and a dedicated, well-managed claims operation. KCAMP has built a strong net asset position. Net assets have consistently grown over the years and currently exceed $20 million.

  • Can KCAMP Members be Assessed?
    Assessments are additional contributions charged to members for underfunded programs. While assessments are permissible, KCAMP has never assessed its members. Of the over 450 public entity pools operating in the United States, those who have assessed their members have done so because they provided coverage at prices far lower than anticipated claim experience could justify. This resulted in under funded programs. Because of KCAMP's conservative funding approach and strong net asset position, assessments have never been necessary and are very unlikely. And any assessment would need to be approved by the majority of KCAMP members.
  • How does KCAMP's coverage differ from coverage provided by commercial insurance companies?  KCAMP's coverage is different in two important ways. First, whereas the terms of coverage under a commercial insurance policy are essentially dictated to the insured by the insurer, KCAMP's coverage document is reviewed and approved by KCAMP's Board of Trustees. It was designed specifically to cover risks of Kansas municipalities. Second, KCAMP covers liability risks in a single coverage document. For example, the liability coverage document covers general liability, automobile liability, public officials liability, employment practices liability, law enforcement liability and cyber liability. Some commercial insurance programs provide coverage using multiple insurers raising the possibility of finger pointing in the event a claim potentially triggers more than one insurance policy.  KCAMP members enjoy a single source of coverage avoiding the difficulties presented by insuring multiple coverage lines with different insurers.

  • Do insurance companies provide claims and loss prevention services? 
    Yes, but not county-dedicated claims and loss prevention specialists. KCAMP's in-house professionals work solely with Kansas counties and understand your exposures and claims better than anyone. They have years of experience working with Kansas counties and public entity risks. And unlike commercial insurance company employees, KCAMP personnel work at the direction of the members' representatives on the Board of Trustees.  

  • ​I have a question not addressed in FAQs and need to contact your customer service. How do I do that?
           If you have any questions, please see our Contact Page for our
           email information and telephone numbers.

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KCAMP

835 SW Topeka Boulevard

Topeka, Kansas 66612

800-240-9828

© Copyright 2016 by KCAMP.  All rights reserved.