Property Casualty Alliance of Texas (PCAT), Property Casualty Alliance of Louisiana (PCAL), and Coastal Property Alliance of Texas (CPAT) 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, PCAL and CPAT effectively provide risk management services related to the property, automobile, general liability and school board legal liability exposure of public educational entities.
ERMI-supported property casualty programs distinguish themselves favorably from other risk management funds and insurance programs through a commitment to program integrity. Unlike other property and casualty programs, funds are not intermingled with the funds of other unrelated exposures, e.g., workers' compensation and group health coverage. Annual independent financial audits and actuarial analysis promote program integrity and fiscal stability, providing greater peace of mind for member school districts.
Benefits of property casualty programs supported by ERMI
- Easy-to-join interlocal pool
- Competitive costs
- Comprehensive coverage
- Member-owned and governed
- Property valuation services
- Risk management conferences
- Onsite facility survey inspections
- Safebus Program (for school districts)
- 24-hour claims service
To learn more about the property casualty program, please contact us or request a quote.