The Wisconsin Educators Risk Management Cooperative (WERMC) is a 66.0301 formed by districts in 2000 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.

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