Member Benefits

  • Formed in 2000 to ensure independent oversight and advocacy of insurance and risk management goals and issues, the Board of Directors comprised of member school business officials and/or administrators

  • Independent and experienced risk management consultant “on staff” with in-depth knowledge of laws, coverage, and claims related to all applicable district coverages

  • Bi-annual conferences in risk management best practices to understand and implement strategies

  • Annual insurance renewals overseen and “tweaked” by consultant, and recommendations made to improve coverage and reduce premium and/or exposure

  • Annual Experience Mod review process to reduce Workers’ Compensation premium by reducing Mod

  • Agent’s broad Workers’ Compensation service platform for loss control and claims management including No-Cost access to Safety and Human Resource resources, provided by agents

  • Unique Liability coverage with All policies written with unlimited per occurrence limits and “occurrence” policies which means broader Educators Legal/E&O coverage. Full prior acts covering all past incidents, even if the incident was before CIC's coverage, this is very important for Sexual Molestation claims alleged by a victim up to age 35

  • Pre-Claim Liability Loss Control: report “inklings” of possible claims before an actual claim. CIC assigns an attorney to investigate and help navigate “minefield”. 85% of incidents are resolved without litigation. Keep attorney if incident develops into claim. Pay deductible only with loss or settlement of claim

  • 4+ Dedicated Risk Management Consultants with significant public entity experience assigned by location

  • WERMC Counsel on Call: Liability carrier’s defense attorneys at carrier’s rates, on non-insurance issues

  • No-Cost $1 million aggregate Cyber Liability policy that goes beyond Data Breach to include Ransomware, Telecommunications Fraud, Cryptojacking, and Social Engineering. Includes Cyber Liability Security Suite

  • Risk Management Rewards toward liability premium rate credit for participation in Zoom meetings, seminars, conferences, on-site training, online liability training, and WERMC meetings

  • Scholarship for Certified School Risk Manager (CSRM) designation for one individual from each district, $1000 value

  • WERMC Vendor partnerships with vendors who provide preferred pricing and service advantages

  • Property insurance with broad coverage including flood and competitive premium

  • Network of peers committed to and willing to share risk management strategies