https://completemarkets.com/company/Amwinsunderwriting/School-Workers-Compensation/
Amwins School Workers Compensation
Amwins School Insurance Program — product page
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)
Want to know additional details about our program? Click here.
Frequently Asked Questions
What types of school accounts are a good fit for this program?The program targets K–12 public, private and charter schools, plus community and junior colleges with standard education operations — classrooms, transportation, athletics, maintenance, and dining services. Large research universities or operations with substantial industrial exposures typically require alternative solutions.
Is the coverage admitted and where is it available?This is an admitted workers’ compensation program and is available across the listed states (see territories above), enabling easier regulatory compliance and premium reporting for most placements.
What is the minimum premium and typical limits?The program has a minimum premium of $10,000. Employers' liability limits are available up to $1,000,000 / $1,000,000 / $1,000,000. Final pricing and limits are subject to underwriting review.
Which risk-management services are included and how do they help?Key services include early-intervention telephonic case management, a risk management information system, predictive modeling, loss-control consulting, and comprehensive claim reporting. These services aim to reduce claim days and medical spend, helping control long-term loss development.
How should I submit a school account for consideration?Provide current payroll and class codes, loss runs, description of transportation and athletic exposures, and details on existing safety and return-to-work programs. The underwriter will evaluate fit and may request additional documentation on loss-control efforts before quoting.
Need help placing an account? Connect with a market specialist.