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Who do we serve?

If your school, organization, or business focuses on caring for or educating people, we serve you! More specifically:

  1. Daycare Centers

  2. Childcare Centers

  3. Early Learning Centers

  4. Independent Schools

  5. Private Schools 

  6. Public Charter Schools 

  7. Religious Affiliated Schools

  8. Traditional Public Schools 

  9. Colleges

  10. Universities 

  11. Adult Education Centers

  12. Career Centers

  13. Don't see your organization or business on this list, but you care for or educate people, contact us to see if we are a fit!

What do we provide?

Two important services

  1. ​​Risk management services that create a strategy to avoid, mitigate, and retain risk before purchasing an insurance policy(ies) to transfer risk. We are a leased risk manager for organizations and business who may not necessarily be able to keep a risk manager on their payroll.

  2. Buy the least amount of insurance possible on behalf of our clients. We believe insurance and risk transfer are an important part of an overall risk management strategy, but it is not the only part! 

Lines of Coverage

Property and Casualty 

  1. ​​Educator's Legal Liability (this is a hybrid of Director's and Officers, Errors and Omissions/Professional Liability, and sometimes Employment Practices Liability insurance)

  2. Employment Practices Liability

  3. General Liability 

  4. Property (including Business Personal Property (BPP), Inland Marine, and Tenants Improvements and Betterments (TIB))

  5. Workers Compensation

  6. Sexual Abuse and Molestation 

  7. Commercial Auto (including school bus fleets and Hired/Non-Owned Auto)

  8. Sexual Abuse and Molestation 

  9. Cyber Liability 

  10. Fiduciary Liability

  11. Crime/Employee Dishonesty

  12. Commercial Umbrella 

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Employee Benefits

  1. ​​Medical Benefits (i.e. health insurance)

    • Fully Insured​

    • Level Funded

    • Partially Self-Funded

    • Self-Funded Captive

    • Benefits Risk Management

  2. ​​Non-Medical Benefits 

    • Vision​

    • Dental 

    • Disability - Short & Long Term

    • Accident & Hospital 

    • Critical Illness & Cancer

    • Voluntary Life Insurance

    • Accident Death and Dismemberment

    • Medical Bridge Plans

    • Legal Services

  3. Benefits Administration

    • COBRA Administration ​

    • Section 125, Pre-Tax Plan Adminstration

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