Our Cooperative

The Wisconsin Educators Risk Management Cooperative (WERMC) is a 66.0301 formed by districts in 2011 to purchase liability and Workers’ Compensation insurance, collectively. WERMC members' insurance is not "pooled" which can create adverse selection. Each member is underwritten individually to ensure favorable results. The service “platforms” from the Workers’ Compensation insurance company and agent, plus the liability insurance carrier are exceptional and help to reduce costs. Workers’ Compensation dividends are very competitive with the long-term goals of the reduction of accidents, Experience Mods, and premiums through a variety of specialized services and risk management best practices.


Kathy Johnson is the independent consultant who assisted the districts in forming the 66.0301 and who continues to provide consulting services to members. As an independent consultant, she does not represent any insurance programs and is not paid commissions that could influence her recommendations for insurance coverages.

The services that she provides to WERMC members are available to any district, whether in WERMC or not, and they are outlined in the Services section of this website.

If you have any questions regarding WERMC membership and its benefits, you may contact Kathy at (608) 663-9032 or send me an email at kjohnson@rmstrategies.net

"Successful risk management programs are a result of being proactive in developing a safety culture within the organization. We chose the WERMC consortium group for the ability to address: risk mitigation, coverage assessment, proactive claims handling and competitive bidding of our policies. Through bidding we realized a net savings of membership fees by our first official day as a member and continue to take advantage of the vast network of resources to build our safety culture." -- Jonathan Mitchell, St. Francis

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