There are many ways a school district can reduce the cost of insuring employees, equipment, and buildings. (Author/MLF)

Colleges and universities are facing difficult choices as insurance companies cancel coverage or demand premium increases of up to 800 percent. The current crisis is blamed on the way the industry has been managed. Financial managers, rather than underwriters, took over the industry. (MLW)

Ten suggestions are given for administering an institutional insurance program and coping with recent changes in the insurance market due to increasing premiums and more limited coverage options. (MSE)

Beginning on the front page, this article explains ways of establishing a sound risk management insurance program that can improve a school district's financial position. Organizations that can help are listed. Available from the American Association of School Administrators, 1801 North Moore Street, Arlington, VA 22209. (MLF)

Explains how experiential programs and organizations can improve relationships with their insurance companies by understanding the insurance industry's perspective and techniques of risk management. Suggests 22 specific items of information that experiential education organizations should share with insurers to demonstrate understanding and…

School districts can expect to see significant increases in insurance renewal premiums. Advice is offered on safety and loss control procedures, dealing with an insurance broker, and bidding for insurance coverage. (MLF)

Professional counselors are often uninformed about insurance matters. This monograph is for counselors who wish to participate in third-party reimbursement activities. The text addresses general issues related to professional counselors and health care reimbursement. It describes major health reimbursement plans such as Blue Cross/Blue Shield,…

College business officers should take advantage of the industry's market to prepare their institutions for an upcoming hard market. Steps to be taken include evaluating the insurance broker; meeting with the company underwriter; negotiating; considering a renewal contract; negotiating pooling mechanisms; lowering deductibles; and implementing…

Describes the stages in the development of the life insurance game 'Your Money or Your Life'--a board game designed to give students preparing for professional insurance examinations a better understanding of the nature, purpose, and scope of life insurance--and how the game is played. (EAO)

A public entity facing an environmental cleanup can take certain measures to dramatically increase its chance of coverage. Argues that many comprehensive general-liability insurance policies have coverage if the pollution is "sudden and accidental." (MLF)

Presents the options available in risk management insurance and group health insurance programs, while outlining recent changes in the industry and their effects on school risk management programs. (MD)

School districts that bid for insurance are able to compare coverages, service reputations, and costs. The five components of bid specifications--general instructions, conditions, program desired, underwriting data, and proposal forms--are explained. Model bid specifications and guidelines are included. (MLF)

Discusses how higher education institutions can market their risk financing program to insurance brokers and insurance companies to obtain superior, cost effective coverage in the current buyer's market. Explains the development of a marketing package, the negotiating process, and the selection of brokers and insurance companies. (MDM)

These two issues are designed to provide secondary school educators with a greater knowledge of insurance and access to teaching materials regarding insurance and to provide students with information about insurance and insurance careers. The following feature articles are included in the newsletters: "Life Insurance: Why and When People Buy…

This Insurance Education Foundation (IEF) newsletter provides secondary educators with a greater knowledge of insurance and access to teaching materials. It also provides students with insurance career information. The newsletter is intended for secondary educators who teach insurance in any subject. Substantive articles contained in this issue…