Knowledgeable, experienced underwriting

WRM America's experienced underwriting team is highly skilled at analyzing risks specific to educational, municipal and not-for-profit institutions. Underwriters are assigned to each insured risk on an ongoing basis so they can quickly recognize adverse loss trends and communicate those concerns to our loss control and claims departments for actions that could help reduce future exposures. These well-established lines of communications combined with our highly valued broker/agent relationships bring greater context, consistency and accuracy to our underwriting process.  

WRM America's underwriting team also responds to evolving issues and concerns such as mold, terrorism and school violence by helping our claims department adapt claims handling procedures, revising policy wording and coverage forms, and determining new ways of evaluating these risks.

proACTIVE loss Control AND RiSK management services for schools

With many years of experience insuring school risks, WRM America experts can provide valuable guidance for school administrators to help reduce injuries to students, staff and visitors, and to prevent damage to campus property. Our innovative risk management and safety solutions include:

• Inspections and evaluations of facilities
  and operations
• Risk management consulting services
• Employment Practices policies and procedures review
• Assistance with risk transfer programs through a review of insurance procurement agreements, indemnity provisions and insurance certificates
• On-campus training
• Web-based training
• Regional seminars
• Articles on school-based risk management and safety issues
• Interactive program Web site

DEDICATED claim and litigation services

WRM America's claims professionals will address each claim promptly and properly evaluate the exposure in terms of liability and damages. Our claim handlers are familiar with the unique and changing exposures faced by schools, municipalities and not-for-profit organizations. This specialized market knowledge enables us to offer more thorough investigations, enhanced legal defenses and efficient claim resolutions.  

While claims that have merit will be resolved efficiently in the best interests of our clients, WRM America will challenge cases without merit or liability, rather than simply settling them to avoid litigation costs. WRM America and its Coordinating Counsel, Congdon, Flaherty, O'Callaghan, have significant experience in developing industry-leading litigation management and claims handling processes. For major claims, WRM America's unique multidisciplined Claims and Litigation Council (including claims department supervisors, underwriting and risk management representatives, and senior trial counsel) will immediately identify potential severity, formulate a defense strategy and put our most experienced staff in control of these cases.