Property Casualty Alliance of Texas (PCAT) and Property Casualty Alliance of Louisiana (PCAL) are unique and cost effective approaches to other conventional insurance plans. These programs are designed to provide greater cost stability, tailor-made coverage, and improved claims handling. PCAT and PCAL effectively manage the Property, Automobile, General Liability, and School Board Legal Liability for public school districts.

Our property casualty program distinguishes itself favorably from other risk management funds and insurance programs by our devotion to program integrity. Property and Casualty funds are not mingled with the funds and loss exposures of other unrelated programs, such as workers' compensation or group health. Submitting to annual independent financial audits tests our integrity, and the fiscal integrity is managed by submitting to annual independent actuarial studies. We provide greater peace-of-mind for entities.

Benefits of a property casualty package from ERMI:

•  Easy to join Inter local Pool
•  Competitive Costs
•  Comprehensive Coverage
•  Member Owned and Governed
•  Property Valuation Services
•  Risk Management Conferences
•  On-site Facility Survey Inspections
•  Safebus? Program (for School Districts)
•  24-Hour Claims Service

If you have any questions about our Property Casualty programs, please contact us.