Insurance Programs

In the mid-1980s, the insurance marketplace was in the midst of financial crisis, and the insurance industry largely abandoned the public sector. Schools experienced non-renewal or cancellation of their insurance policies, or large increases in premiums. Out of this crisis, public entity pooling was born. As public entities faced funding their own losses, these agencies placed tremendous emphasis on safety, risk control, and risk reduction.

Educational Service District 112’s Insurance Programs support their member districts by providing stable, long-term protection from financial loss through high quality, cost-effective risk management programs, and through partnering with member districts to self-insure, self-administer, and group purchase excess insurance coverage.

Loss control staff assist member districts in providing their staff, students and visitors a safe and healthy work and learning environment.

As consultants to our member school districts, the loss control staff focuses on building a risk management environment among the membership. Our overall loss control goal is to assist member districts reduce their exposure to the risk of loss. We try to “institutionalize” school risk management programs.

Read more » Loss Control Services Overview

For more information, contact a Loss Control Specialist at ESD 112:
P: 360.750.7504

Why outside facility users need insurance

In addition to the district’s primary mission of educating students, a district also has duties to protect its property and to protect the district’s financial assets.

District facilities are often used for non-district activities after regular school hours. Criteria is established for the use of district facilities for these other activities in order to minimize the risk and potential for loss from such use. The use of district facilities beyond the established educational programs of the district may be granted to responsible persons, groups or organizations as community, cultural or recreational centers for purposes of entertainment, personal development and civic welfare. The district, in granting an outside user permission to use district facilities, establishes reasonable, non-discriminatory criteria that will be met before granting permission to use the facility in its building usage policy. Use will be in accordance with the policies, procedures and rules established by the district, and appropriate laws.

Read more » Facility Use Insurance Online