The Indiana Schools Education Service Center (ISESC) Risk Management Program, administered by Caitlin Morgan Insurance Services, offers school systems in Indiana a smart alternative to traditional commercial insurance. Designed specifically for Indiana public schools, the program delivers long-term cost savings, improved claims handling, and comprehensive risk management support—all backed by a stable reinsurance structure through Midwest Employers Casualty Company.
Overview of the Program From Caitlin Morgan
This exclusive program is tailored to meet the risk management needs of Indiana public schools by providing an efficient and cost-effective solution to workers’ compensation and other school-related exposures. Historical rate analyses show that participating schools could have saved between 10–30% annually over the past five years compared to standard commercial premiums. These savings are further enhanced by the ability to earn investment income through each school’s segregated ISESC account.
Ideal Accounts and Appetite
This program is ideal for:
- Public K-12 school systems in Indiana
- Education service centers and related educational institutions
- Schools looking for long-term premium stability and effective loss control
If you work with schools that are struggling with rising insurance costs or inconsistent claims performance, this program may be the perfect fit. For example, an Indiana school district with a strong safety culture but frequent small claims could benefit from the program's proactive loss prevention and dedicated claims oversight.
Coverage Highlights and Advantages
- Structured reinsurance through Midwest Employers Casualty Company caps annual exposure for each school
- Dedicated claims management services to reduce loss costs and improve outcomes
- Comprehensive loss prevention and safety programs tailored for schools
- Segregated accounts allow schools to earn investment income on premium savings
With a focus on minimizing claims and maximizing efficiency, Caitlin Morgan’s program enables schools to better allocate resources toward education rather than insurance expenses.
Underwriting Notes and Minimum Premiums
Underwriting is handled by Caitlin Morgan in collaboration with local designated agents familiar with school operations. While specific minimum premiums are not published, the program is best suited for school systems with meaningful payrolls and a commitment to safety and risk reduction.
Territories and Availability
This program is available exclusively in Indiana. Any Indiana-based insurance agent who writes or markets to schools is eligible to access the ISESC Risk Management Program through Caitlin Morgan Insurance Services.
Why Work With Caitlin Morgan Insurance Services?
As a program administrator with deep expertise in educational risk, Caitlin Morgan brings a hands-on approach to managing school risks. Their partnership with Midwest Employers Casualty Company ensures financial stability and experienced reinsurance support. Agents benefit from working with a team that understands the unique challenges faced by school systems and can deliver tailored insurance solutions backed by strong service and claims support.
To learn more about placing school accounts through the ISESC Risk Management Program, contact:
Indiana Schools Education Service Center Risk Management Program (ISESC)
Contact:
Stan Murray
P: 800-723-7475, Ext. 222
[email protected]
Frequently Asked Questions
What types of accounts are a good fit for this program?
Public K-12 schools, education service centers, and school corporations located in Indiana are ideal candidates, especially those seeking better cost control and proactive risk management.
Can any insurance agent access the ISESC program?
Yes, any Indiana-based agent who writes or markets to schools may access the program through Caitlin Morgan Insurance Services.
What coverages are included in the ISESC Risk Management Program?
The program primarily focuses on workers’ compensation and includes comprehensive claims management, loss prevention services, and structured reinsurance backing.
How does the program help schools save money?
Schools benefit from lower premiums compared to commercial rates, have the opportunity to earn investment income on surplus funds, and reduce losses through focused claims and safety services.
Is this an admitted or non-admitted program?
The program is available in all applicable admitted states and is currently offered to Indiana schools through admitted markets.
Need help placing an account? Connect with a market specialist.