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A Stronger Strategy for Liability Risk
edLIABILITY gives educational institutions greater ownership and control over their educators’ legal liability (ELL) and general liability (GL) risk through deductible reimbursement arrangements.
Member-owners can expect long-term savings on ELL and GL, resulting from lower premiums, net income retained in the captive, and low operating costs, with no overall change in coverage, as the captive’s reimbursement agreement follows the primary carrier’s policy form.
THE BENEFITS
Why Schools Participate
Greater control.
Ownership.
Collective strength.
Shared risk-management.
Long-term investment stability.
THE STRUCTURE
How edLIABILITY Works
1.
Each institution retains an agreed level of risk.
2.
The edLIABILITY captive assumes a defined layer of shared risk.
3.
Commercial insurance and reinsurance provide protection above the captive layer.
4.
The structure works alongside the primary carrier’s ELL and GL coverage and claims administration.
THE UPSIDE
Potential Financial Value
Retain favorable underwriting results and investment value within the member-owned structure.
Disciplined by Design
Participation is based on underwriting, loss experience, liability risk, risk-management practices, and overall program fit.
The goal is not simply a lower first-year premium. It is a more sustainable long-term approach to liability risk.
GET IN TOUCH
Let’s connect.
Ready to learn more about edLIABILITY?
