Within the liability program, the Fund offers automobile liability (AL), general liability (GL), and public officials errors & omissions liability (E&O).  The Fund's liability coverages have been custom tailored to meet the risk financing needs arising out of exposures commonly faced by districts and authorities in Texas.  The Fund continues to modify and evolve these coverages based upon the evolving needs of districts and authorities and new developments in the marketplace.  Some examples of this include dam failure liability (optional), limited pollution coverage (optional), defense for breach of contract (optional), and employment practices coverage.

The TWCA Risk Management Fund offers limit options up to $5 million for all lines. Standard deductibles range from $1,000 to $10,000, with larger deductibles available to larger members.  All liability deductibles are structured such that the member reimburses the Fund after the funds are expended. The Fund is available to assist members in determining appropriate limit and deductible options.