Attention: You are using an outdated browser, device or you do not have the latest version of JavaScript downloaded and so this website may not work as expected. Please download the latest software or switch device to avoid further issues.
A Stronger Strategy for Property Risk
edPROPERTY gives educational institutions greater ownership and control over a portion of their property risk through deductible reimbursement arrangements.
Member-owners invest in long-term savings on property risk through decreased 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 edPROPERTY Works
1.
Each institution retains an agreed level of risk.
2.
The edPROPERTY 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 property 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, property characteristics, 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 property risk.
GET IN TOUCH
Let’s connect.
Ready to learn more about edPROPERTY?
