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