HOME ABOUT SERVICES CONTACT MEMBERS LOGIN EXCEPTIONAL PROTECTION Disclaimer: The language of the WSRMP Coverage Agreement is not amended or augmented in any way by the depictions of coverage here, and takes precedence in the event of conflict. PRE-LOSS PROGRAM Provides members with up to 30 days of free legal advice from our panel counsel on issues that show potential to become a covered claim. Members can access Pre-Loss an unlimited number of times per year. No deductible. INVESTIGATION COVERAGE Provides up to $20,000 in coverage for a qualified investigator, supervised by our panel counsel, to investigate high-profile incidents and report results to the member. Members can access Investigation Coverage an unlimited number of times per year. No deductible. SPECIAL EDUCATION COVERAGE Provides three levels of coverage: 1) up to $5,000 in legal assistance for Hearing preparation 2) up to $35,000 for defense of Due Process Hearings, and 3) up to $200,000 in defense costs for appeals to federal court. Members can access Special Education Coverage an unlimited number of times per year. No deductible. LIABILITY COVERAGE Provides broad Auto Liability, General Liability and Employment Practices Liability coverage including defense costs. No deductible. EMERGENCY MEDICAL EXPENSE Designed for occurrences where the member may want medical expenses paid for injuries on premises regardless of liability. Limited to $3,000 per student, per occurrence, and excess over other insurance. No deductible. ERRORS & OMISSIONS SCHOOL DIRECTORS LIABILITY Provides broad Errors & Omissions coverage for wrongful acts, including defense costs, for claims involving discrimination, equal access, bullying and sexual misconduct, to name a few. Provides enhanced coverage to members of the school board and district superintendent. No deductible. PROPERTY COVERAGE Covers all district-owned structures and contents. Newly acquired, built or renovated property will be covered upon notice with invoicing waived until next year’s rate/invoice. Includes free appraisal services for structures, contents and establishment of total value. Includes crime, money and securities, boiler, machinery and equipment breakdown coverage. Deductibles of $1,000 or $5,000 available. VEHICLE COVERAGE Covers all district-owned or leased buses and vehicles. No mileage penalty. Newly acquired vehicles are automatically covered without notice to WSRMP and will be invoiced during next year’s rate/invoice. Buses are covered on a replacement cost basis (no depreciation) regardless of age. Includes Garage Keepers liability. Deductibles of $1,000 or $5,000 available. CYBER COVERAGE Provides cyber liability, network security, internet liability and data breach coverage. Includes ransom and fraudulent impersonation coverage. Provides access to private website for members to explore articles, participate in webinars and ask questions of cyber experts. Deductibles based upon size of district. DISCOUNTED BUILDER’S RISK COVERAGE WSRMP has partnered with Alliant Insurance Services to provide a comprehensive Master Builder’s Risk policy for new construction and renovation projects at a pool-discounted rate. The Policy has been vetted to synchronize with WSRMP’s Coverage Agreement. CRISIS MANAGEMENT WSRMP has partnered with AJ Gallagher to provide Crisis Management and Crisis Recovery assistance for Active Assailant and other significant crises. Includes terrorism coverage. Members have access to private website to watch global alerts, prepare for events through articles and webinars, and ask questions of experts and coaches. Copyright © 2021 · Washington Schools Risk Management Pool