Our Special Risk Division has been serving K-12 education institutions for over 40 years.
Independent schools face a complex set of challenges. Our Special Risk team develops comprehensive solutions to ensure adequate protection against the unique risks present in a school setting. We work closely with you to understand your institution’s operations, administration and goals, helping you meet the needs, challenges and requirements of this dynamic environment.
Student Health Coverages
The student health insurance plan of your institution impacts more than just the student health center
where it is coordinated.
- A student with a highly-contagious medical condition may pose a public health concern, if they fail to seek out proper medical care because they do not have insurance.
- A student struggling with a mental health issue may pose a risk to your campus safety, if adequate and cost-effective care is not available within a reasonable distance from campus.
- A student health plan that is not properly designed could have negative impacts on your intercollegiate sports insurance plan.
- Effective coverage can help encourage the overall physical and mental well-being of your entire student and campus population.
Benefits for Administrators
- Review market to determine best options.
- Develop synergy with the athletic department.
- Review claim data to reduce or eliminate costs.
- Develop multi-channel communication plan.
- Manage all inquiries from students and families.
- Review alternative options for international students.
Benefits for Student and Families
- Education and direct communication about the program.
- Claim assistance with student health insurance plans.
- Enrollment and waiver assistance including for spouses/dependents and qualifying life events.
- Access to voluntary dental and vision insurance.
- Direct customer assistance for inquiries.
Student Accident
This specialized coverage is designed to provide financial relief in the event of an unexpected student accident that results in injury or death. Plans offer immediate financial assistance and other necessary services to the accident victim and the victim’s family members. Plans can be designed for coverage for any type of accident injury, whether related to a school activity or simply everyday life.
Sports Accident Coverages
Our firm manages Intercollegiate Sports insurance programs for colleges and universities, from Division III schools to Big Ten Conference members. Regardless of a program’s size or competition level, student-athlete injuries are inevitable. Our goals are to help institutions control claim costs, explore risk transfer options and determine the most appropriate method for insuring or self-funding excess programs.
Sports, from recreational campus activities to intercollegiate teams, are a critical component of any educational experience. These activities promote opportunities for leadership development, teamwork, campus unity, recruitment and enrollment, and more. While the benefits are clear, so are the risk exposures an institution faces as a result of these activities on campus.
Our comprehensive suite of intercollegiate, club and intramural sports insurance programs include a variety of coverage options based on the needs of the sports program at your school:
- Basic medical and dental
- Major/catastrophic medical
- Accidental death and dismemberment
- Claim management and advocacy
- Pre-existing conditions coverage
- Repetitive motion and re-aggravation injuries
- Heart/circulatory coverage
- HMO/PPO denial benefits
- & more
Travel Accident and Sickness
Whether attending a conference out-of-state or aiding in a cleanup effort of a hurricane ravished town, an effective business travel accident plan (BTA) for your institution can protect your faculty and students traveling in the US. Your BTA plan may include accidental death and dismemberment (AD&D) benefits, security and medical evacuations, and more.
RCM&D helps save you time and money on your study abroad insurance, which allows you to focus on preparing for your exciting cultural experience within or outside of the United States.
Tuition Reimbursement
This coverage complements the existing student health plan and can be customized to meet your institution’s unique needs in the instance that a student is forced to withdraw from school because of a medically necessary event.
Indvidual Coverages
- Outbound Travel
- Inbound Travel
- Cancel for Any Reason/Interruption for Any Reason
- Leisure travel
- Event Cancellation
- Dental
- Vision