What is the best way to request changes to my coverage?
You can fax requests for changes to 512-478-1426 or email to TACpools@county.org

General Liability:

Are volunteers covered for their actions while working on behalf of the county?
Yes, bodily injury or property damage caused by a volunteer would be covered.

Is the county airport covered by TAC general liability policy?
Yes, the county airport is covered for premises liability only. However, most counties with airport operations choose to purchase commercial airport liability coverage, which is a more appropriate alternative.

Are county employees in the medical professions covered for rendering of medical services, by the TAC general liability policy?
Yes, except employees working in hospitals.

Should the county report mobile equipment, such as maintainers, backhoes, etc. to TAC if they only require liability coverage?
No, it is not necessary. All mobile equipment is automatically covered by TAC general liability.

If the county takes possession of vacant land should it be reported to TAC?
No, it is not necessary to report ownership of vacant land. All county owned property is automatically covered under the TAC general liability.

Why are you paying the medical bills when the county is not liable?
Medical payments up to $1000 limit on the General Liability is no fault coverage. You do not have to be at fault or negligent for the medical payments to come into play.

Why is that not covered, I thought everything was covered?
Check your policy to see what the exclusions are. Policies do not cover every exposure because a policy that broad would be too expensive for anyone to afford.

Auto Liability/Auto Physical Damage:

Are constables and other county employees covered by the TAC Auto policy when they are driving their personally owned cars on county business?
No, vehicles not owned by the county are not covered. Anyone who drives their own vehicle on county business should be required to purchase personal auto coverage for their vehicle.
EXCEPT: TAC does offer an endorsement, for an additional cost, that provides auto liability coverage for Constables, Sheriffs and their Deputies but only while performing official duties on behalf of the county. Contact your TAC service representative for information

Can we add vehicles not owned by the county to the county's to the Auto policy?
No, such vehicles should not be reported to TAC for Auto coverage. Only vehicles titled in the name of the county or on long term commercial lease to the county are eligible for coverage under the TAC Auto Liability or TAC Auto Physical Damage policies.
EXCEPT: Personally owned vehicles of Constables, Sheriffs and their Deputies that have been added under the optional TAC Auto liability endorsement that is available at an additional cost. Contact your TAC customer service representative for information.

If a vehicle pulling a trailer is scheduled on the county's Auto policy, but the trailer is not, will the Auto Liability still cover the trailer?
Yes, if the loaded trailer is less than 1500 pounds GVW. Larger trailers should be scheduled on the TAC Auto Liability policy.

Do county employees who drive their own cars for county business purposes need to be added to the driver list?
No, only frequent drivers of county owned/leased vehicles need to be on the driver's list.

What information does TAC need to add a driver?
Driver's name as it appears on their license, date of birth and Texas driver's license number.

How do we know which vehicles need to have Auto Physical Damage coverage?
Most counties do not cover vehicles over 5 years old. However, vehicles reported to TAC will be covered no matter the age.

Is the equipment permanently installed in a vehicle, such as a Sheriff's patrol car or an ambulance, covered under the county's auto physical damage?
Yes, if the increased cost of the equipment is added to the base cost new of the vehicle, it will be covered.

Is it necessary to report vehicles as soon as they are purchased?
It is best to report vehicles to TAC as soon as they are purchased. Under Auto Physical Damage all vehicles must be reported to TAC within 30 days of purchase. However, under Auto Liability any vehicle titled in the name of the county or on long term commercial lease to the county is covered even if it is not reported mid-year, but it needs to be reported with the next renewal application.

What information does TAC need to add a vehicle?
Year, make, model, vehicle identification number and department using vehicle. If auto physical damage/full coverage is required then the cost new should also be reported.

Why is that not covered, I thought everything was covered?
Check your policy to see what the exclusions are. Policies do not cover every exposure because a policy that broad would be too expensive for anyone to afford.

Public Officials Liability:

Are county officials covered by the TAC public officials liability when they are serving on a board of directors not governed or appointed by the county?
No, service on boards or commissions is only covered if such units are operating under the jurisdiction of the county.

Do we need the District Attorney's endorsement?
District Attorney's endorsement is an optional coverage available to those counties who wish to purchase it.

Do we need the District Judge's endorsement?
District Judge's endorsement is an optional coverage available to those counties who wish to purchase it.

Are volunteers covered under the TAC public officials' policy?
Yes, volunteers are covered for wrongful acts which occur in the course and scope of their duties for the county.

What is the proper coverage for addressing employment claims against the Sheriff, such as wrongful termination or discrimination?
All employment related claims are covered by TAC's public officials' liability. These are excluded under law enforcement liability.

Does TAC's public officials' liability respond to an EEOC charge?
Yes, it should be submitted to the TAC Claims Department with a request for pre-claims assistance.

Law Enforcement Liability:

Are members of a Sheriff's posse or other law enforcement volunteers, covered by the TAC law enforcement liability policy?
Yes, volunteers working in the course and scope of their law enforcement duties for the county would be covered.

Are the actions of drug dogs and horses covered by the TAC law enforcement policy?
Yes, as long as the animals are involved in the course and scope of a law enforcement activity for the county. Animal Mortality, Theft & Loss of Use coverage for law enforcement dogs and horses can be purchased through TAC Property program.

Is a law enforcement officer employed by the county but temporarily working for another jurisdiction covered by the TAC law enforcement liability policy?
Yes, as long as the Sheriff of the county that employs the officer has assigned the officer to this temporary duty.

Are deputies covered under the law enforcement coverage when they are working at off-duty employment?
Only if the off-duty employment has been authorized/approved by the Sheriff and the action developing the claim was performed on behalf of the Sheriff's department.

Should constables and juvenile probation officers be reported to TAC for coverage under the county's law enforcement liability policy?
Yes.

Does the full-time employee rate apply to part-time staff under law enforcement liability? No, on the application, separately for each classification category, indicate the number of full-time staff and then the number of part-time staff noting either the number of hours worked by each or a percentage of full-time worked by each (75%, 50%, or 25%).

Do we need the District Judge's endorsement?
District Judge's endorsement is an optional coverage available for purchase by counties reporting juvenile probation officers on their application.