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Your School Insure team can provide a full range of services, from loss control to proactive renewals and daily support.

  • Review all board minutes or safety meeting minutes as a safety check for any activity that may increase your exposures to loss

  • Negotiate a loss control and safety training service plan on your behalf with carriers and analyze loss control efforts

  • Attend loss control visits as needed

  • Review all loss control recommendations and meet quarterly to track progress

  • Coordinate completion of recommendations or modification of recommendations with underwriters

  • Work with you on implementing loss control recommendations

  • Contribute to loss prevention in-service days and attend safety meetings

  • Review claims activity for possible loss control implications and prevention avenues

  • Discuss industry loss trends and recent court decisions relating to industry issues

  • Review disaster/contingency plans and assist in developing a disaster recovery plan, if not in place

  • Conduct quality control reviews for accuracy and relevance of policy coverages ensuring that appropriate recommendations and coverage issues are addressed

  • Annually forecast budget premium projections by line of insurance based on market conditions

  • Gather renewal information and solicit alternative carriers based on the following criteria: financial strength, claims competency, creative underwriting/service programs, commitment to client service and ability to competitively price their programs

  • Continually canvas the marketplace to identify alternative carriers and new coverages that become available

  • Conduct negotiations with selected carriers and analyze each program’s strengths and weaknesses in terms of coverage, service and cost; make recommendations accordingly

  • Check carefully, prior to delivery, all policies, endorsements, rates and audits for accuracy and compliance with previously agreed upon terms, and deliver in a timely manner

  • Maintain and provide an updated schedule of insurance

  • Provide renewal quotes at a mutually agreed on date prior to renewal

  • Review appraisals annually to determine proper limits for buildings, contents and floaters

  • Issue certificates of insurance within 24 hours

  • Issue auto ID cards within 24 hours

  • Verify Auto coverage with dealerships

  • Assign experienced staff to address coverage issues and questions immediately

  • Resolve questions regarding coverages, accounting, claims and other account concerns promptly

  • Alert you in the event of any negative change in the financial status of one of your insurers

  • Secure and verify retro and dividend adjustments on a timely basis

  • Review all contracts for insurance implications making sure you are properly covered

  • Review lease, rental or other contracts for insurance implications

  • Review all certificates of insurance from outside vendors

  • Review all construction/service contracts to verify adequate limits are carried by the contractors and those agreements include appropriate hold-harmless language preventing contractor employees from suing you in addition to collecting Workers’ Compensation benefits

  • Review all bonds for authenticity

  • Review all construction and major renovation plans including blueprints and sprinkler plans, focusing on any early stage changes that could have a beneficial fire rating impact or premium rate impact

  • Evaluate Property rates to ensure that you receive all credits available and that debits are not improperly applied

  • Return all phone calls promptly

  • Meet on a regular schedule to review open issues and establish agenda for future meetings

  • Establish and update claims procedures for reporting claims and determine appropriate contacts

  • Define and coordinate account handling instructions with carriers and claim adjusters

  • Coordinate and monitor all claims with insurance carriers and claim adjusters

  • Evaluate reserve levels on open liability claims and evaluate impact on experience rating

  • Work with claimants to ensure timely claims settlements

  • Evaluate past claims to identify trends

  • Provide timely loss reports showing status of open items

  • Schedule meetings with carriers as appropriate

  • Assist with coverage disputes and negotiate appropriate claim resolution

  • As appropriate, visit property loss site for inspection with property loss adjuster

  • Determine scope of damage and coverage. Assist in a timely resumption of business

  • Help us identify loss control areas you would like us to focus on

  • Respond to us and the carrier in a timely and effective fashion regarding compliance with loss control recommendations

  • Have appropriate personnel available during insurance company loss control visits

  • Provide us with reasonable projected exposure changes three months prior to expiration

  • Consider carriers we have determined may be beneficial to you

  • If for any reason you are unhappy with any of your insurance carriers, let us know immediately

  • Keep us posted on all material changes in your operations or exposures

  • When planning any renovation or building project, advise us early in the planning stage

  • Require and submit to us certificates of insurance and contracts from any contractor or subcontractor you hire

  • Remit all premiums when due or contact us immediately with any discrepancies

  • Help us properly address your needs by disclosing to us all material facts and information

  • Provide us with prompt notice of any incident, claim or potential claim, especially for claims-made policies that may require immediate reporting.

  • Work with us and the insurance carrier claim personnel to provide us with the information necessary to resolve your claim

  • In the event a claim is not progressing to your satisfaction, notify us as soon as possible

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