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)

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)

Outlines common types of insurance pools currently in operation. Provides an evaluation of the advantages and disadvantages schools should consider before making a decision to change their insurance. (MD)