Property & Casualty
Commitment to Excellence
For nearly 40 years, TCSIG has steadfastly provided member districts with top-tier property and liability solutions. Our enduring dedication has seen us evolve our Memorandum of Coverage (MOC) to provide comprehensive terms at unbeatable prices, ensuring support when it's needed most. We've consistently broadened our MOC language and refrained from imposing liability deductibles. Unlike many others, we extend our coverage to booster clubs and always seek to adapt and stay relevant in the face of ever-changing risks.
Why Choose TCSIG?
- Historical Excellence: We've weathered the challenges brought by catastrophic losses from events like wildfires and hurricanes.
- Adaptability: We're proactive, adjusting to emerging risks such as A.B. 218 and the implications of COVID-19.
- Industry Leader: As the "diamond in the rough" JPA, our best-in-class risk management practices have achieved the lowest property and liability loss ratios among California's JPAs.
Comprehensive Coverage
Our commitment extends beyond just words. The broad coverages under the TCSIG Insurance Programs are testament to our dedication. Specifically:
- No COVID-19 Exclusions: Our Liability Program is robust, covering potential claims related to COVID-19. Whether it's activities this summer or the upcoming fall session, we've got you covered.
- No Individual District Deductibles: Our Liability coverage is all-encompassing, ensuring districts remain protected without the worry of deductibles.
Risk Management
Risk Management
Proactively identifying and mitigating potential risks is paramount. Our Risk Management services provide comprehensive assessments, strategic planning, and tailored solutions to safeguard your district’s assets and ensure a secure environment for all.
Catastrophic Student Accident
We understand the importance of protecting students in the event of unforeseen accidents. Our Catastrophic Student Accident coverage offers financial protection and support to help manage the costs associated with severe student injuries, ensuring peace of mind for educational institutions and families alike.
Crime
Safeguarding against financial loss due to criminal activities is essential. Our Crime coverage protects your district from theft, embezzlement, fraud, and other criminal acts, ensuring that your financial resources remain secure and available for their intended purposes.
Cyber Liability
In today’s digital age, cyber threats are ever-present. Our Cyber Liability insurance provides robust protection against data breaches, cyber-attacks, and other digital threats, helping your district navigate the complexities of cybersecurity and minimize disruption and loss.
Active Assailant
Preparedness for the unthinkable is critical. Our Active Assailant coverage, also known as Deadly Weapons insurance, offers comprehensive protection and response plans to address and mitigate the impact of active assailant incidents, ensuring the safety and security of your educational community.
General Liability
Protecting against a wide range of potential liabilities is a cornerstone of our service. Our General Liability insurance provides broad coverage for bodily injury, property damage, and personal injury claims, ensuring that your district is protected from everyday risks.
Public Officials E&O
Accountability and transparency are vital in educational leadership. Our Public Officials Errors and Omissions (E&O) insurance offers protection against claims arising from alleged wrongful acts by school board members and administrators, safeguarding your district’s governance.
Auto Liability
From school buses to maintenance vehicles, our Auto Liability coverage ensures that your district’s fleet is protected. We offer comprehensive coverage for bodily injury and property damage claims resulting from vehicular accidents, providing peace of mind on the road.
Excess Liability
For enhanced protection beyond primary insurance limits, our Excess Liability coverage offers an additional layer of security. This coverage extends your liability limits, ensuring your district is safeguarded against large or unexpected claims.
Property
Protecting your physical assets is fundamental. Our Property insurance covers buildings, equipment, and other tangible assets against risks such as fire, theft, and natural disasters, ensuring that your district’s infrastructure remains operational and secure.
Auto Physical Damage
Ensuring the safety and functionality of your vehicles is crucial. Our Auto Physical Damage coverage provides protection for your district’s vehicles against damage from collisions, vandalism, and other incidents, keeping your fleet in top condition.
Special Coverage
To address specific risks and unique insurance needs, our Special Coverage options offer tailored protection for all your district's activities. This includes:
- Special Events
- Professional Liability
- Aviation
- Pollution Liability
Claims Reporting and Processing
Filing a claim is a straightforward process.
- Report claims via email at tcsigadmin@risk-strategies.com
- Your claim will be seamlessly transitioned to the Carl Warren & Associates for efficient processing.