VCJPA provides coverage to members in the areas of bodily injury, property damage, personal injury, and public officials' liability through pooled sharing of losses. VCJPA provides members with $1,000,000 in limits of coverage per occurrence with each member retaining a portion of each loss ranging from $1,000 to $75,000. VCJPA is also a member of the California Affiliated Risk Management Authorities (CARMA), a risk sharing joint powers authority. When losses exceed the $1,000,000 per occurrence limit, CARMA provides coverage up to $29,000,000.

In addition, VCJPA provides its members up to $2,000,000 in coverage for employment practices liability type claims. The first $1,000,000 is provided by VCJPA with each member retaining its own self-insured retention. Coverage between $100,000 and $2,000,000 is provided through participation in the Employment Risk Management Authority (ERMA), a self-insurance pool.

In order to protect the members from periods of frequent and severe losses, the Aggregate and Mid-Layer Pools have  been built into the Pooled Liability Program. The graph below outlines the various levels of coverage provided through this program.