Schinnerer has worked with public entity and school pools for over 25 years. We can provide you with a wide range of services, from a one-time consulting project to “soup-to-nuts” underwriting and policy administration services for workers’ compensation, liability and property pools and programs.

Underwriting Consulting

We provide underwriting consulting services for public entity and school pools and similar risk sharing programs both as part of the other services we can provide and on a stand-alone basis. We work directly with pools and with pool administrators who need special expertise to supplement their own services. Consulting services can include (but are not limited to):

• Coverage document language review and design – We can help you design new coverage documents and new endorsements, review current documents for improvements and do coverage comparisons with competitor documents.
• Development and review of rating methodologies - We work with your actuaries to achieve targeted premium levels by designing rate structures to help allocate premiums among pool members equitably based on coverages, exposures, program loss patterns and member loss histories. We also review current rating structures to identify allocation equity type issues.
• Experience rating modules – We develop and review experience rating modules that are tailored for your pool or program, to achieve the internal results that are important to you for your members. We can also calculate experience modifiers for members using your internal modifier rules or industry rules (such as NCCI) and your exposure and loss data.
• Underwriting policy and procedures manuals – We work with you to document your underwriting policies and procedures and compile them into tools that your staff can use.
• Underwriting audits – We can review the files maintained by your underwriters to determine that they are working within established guidelines in their underwriting and rating decisions.

Whether your pool has 50 members or 2,000 members, one coverage or ten, we provide underwriting and policy administration services on request. We can help a new pool design and implement a complete underwriting and policy administration program or work with an existing pool looking for a new program administrator. All program services are governed by policy and procedures manuals we agree to with pool management and in accordance with any reinsurer requirements.

Reinsurance Placement

Most pools need some type of reinsurance for the protection of the pool and its members. We can place reinsurance for pools for workers’ compensation, liability and property programs with recognized reinsurers that meet your security requirements and understand pools and their special needs. These services can be done in conjunction with the underwriting services or on a stand-alone basis.

Individual risk placements for pool members

Pool members sometimes need special policies for coverages not provided by the pool. If your pool members need such coverages and you want to provide them a simple way to obtain such coverages, we will work with you to implement procedures for such insurance, then work with your members to secure desired coverages.

Please contact Gordon Field at 713-652-5412 or at Gordon.R.Field@Schinnerer.com  for more information about any of these pool services.