Overview of the Program From Amwins Underwriting
Amwins Underwriting offers a first-dollar workers' compensation program designed specifically for educational institutions. The Amwins School Insurance Program combines admitted paper with a focused underwriting appetite and a suite of risk-management services intended to reduce injuries, speed recoveries, and control claim costs.
Ideal Accounts and Appetite
This program is tailored for:
- K–12 public, private and charter schools
- Community colleges and junior colleges
Typical accounts that fit well are school districts and campuses with predictable payrolls and standard K–12 operations — including classroom instruction, transportation (school buses), athletics, cafeterias, maintenance, and custodial services. Accounts with significant manufacturing, heavy industrial exposure, or residential college housing with 24/7 campus operations may require referral or are likely outside the program appetite.
Coverage Highlights and Advantages
- First-dollar workers' compensation coverage with employers' liability limits up to $1,000,000 / $1,000,000 / $1,000,000.
- Integrated risk-management services focused on schools: early-intervention telephonic case management, predictive modeling, loss-control services, and benchmarking analysis.
- Risk management information system and end-to-end claim management reports to help you and your insured monitor trends and outcomes.
- Admitted placement and broad territorial availability to simplify compliance and premium filings for most states.
Underwriting Notes and Minimum Premiums
Minimum premium: $10,000. Underwriting evaluates payroll mix, loss history, safety programs, transportation exposure, and athletic programs. Early-intervention case management and loss-control engagement are key program components — carriers look favorably on schools that commit to these services.
Example Accounts That Work Well
- You have a suburban K–12 district with moderate payroll and recent investments in bus safety and athletic trainer staffing — this program can offer admitted coverage plus tailored loss control services.
- You represent a small community college with multiple trade programs and custodial staff. The program’s predictive modeling and case-management resources can help manage rising medical costs on workplace injuries.
Territories and Availability
Availability: all states. The program is available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
Why Work With Amwins Underwriting on School WC
Amwins Underwriting pairs focused school underwriting with hands-on risk services. For agents and brokers, that means access to admitted paper, consistent program terms across many states, and tools that help control loss development. The program is designed so you can present a comprehensive solution — insurance coverage plus proactive claim and injury-management resources — to school clients.
For full program details and submission guidance see the Amwins product page above or review the program overview PDF:
Program overview (PDF)
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