North American Solutions  

PCAT was created to provide Member districts with a strategy to achieve the lowest long-term cost for property and casualty coverage via multi-year membership, rate and coverage stability, proactive loss prevention, and cash dividends.

PCAT provides multi-year risk management solutions for over 170 Texas school districts. With over $50 Million in annual Member contributions, PCAT is the largest school risk program in the country devoted exclusively to property and casualty exposures.

PCAT is a Member owned-and-governed program. Member districts elect a five-Member Board of their peers to provide program governance ensuring the program is consistently aligned with the best interests of Member districts.

PCAT’s non-profit status ensures that any program funds not necessary for program operations are dispersed to Members via cash dividends. Since 2009, PCAT has returned over $11,000,000 in cash dividends to Texas classrooms.

Formed under the Interlocal Cooperation Act, Chapter 791 of the Texas Government Code, the PCAT Interlocal Agreement enables Members to benefit from cost-saving multi-year agreements while meeting Texas Education Code section 44.031 Purchasing Contracts requirements.

Please contact us at: 877.373.9339 or info@PCATprogram.org 

Mission

WCS | Workers’ Compensation Solutions provides Member districts with a modified self-insurance workers’ compensation program that allows schools to proactively manage long- term costs associated with providing care and recovery for employees with on-the-job injuries. WCS helps achieve the lowest long-term cost for schools by providing comprehen- sive loss prevention programs to eliminate physical and policy exposures, while providing expert claims analysis and stop-loss limits to manage claims expenses.

Governance

WCS is a non-profit, Member owned-and-governed program. WCS Members elect a Board of Directors from their peer districts to ensure the program is continuously aligned with the needs of its Members.

Loss Prevention

The best kinds of claims are the ones that never happen. Years of school accident analysis has enabled WCS to strategically invest in Member loss prevention training and materials designed specifically to improve safety by reducing risks in the school environment.

Claims Analysis

Getting injured employees back to work in a healthy and expeditious manner is the goal of all schools. WCS medical professionals conduct evaluations to help ensure an appropriate and effective use of medical and therapeutic treatment to best bring the employee back into the workplace.

Partnership

Effective workers’ compensation management requires a long-term strategy. WCS provides multi- year agreements to provide rate stability. WCS also works directly with each school to develop specific loss prevention, claims analysis, and fund retention plans to ensure a healthy workforce, safe environments, and proper program fiscal management, year after year.

Please contact us at: 877.373.9339

Mission

CPAT was created to provide coastal public entities with a strategy to achieve the lowest long-term cost for their property insurance. CPAT’s expertise and buying power reduces annual premium volatility while maintaining deductible and coverage stability.

Strength

CPAT is the largest coastal public entity property program in the state currently providing coverage to nearly one-third of all Texas coastal school districts. CPAT is backed by A rated carriers who understand the needs of coastal entities.

Individual Limits

CPAT Members enjoy their own individual property limits without risk-sharing with other entities. Limits and deductibles can be tailored to match each Member’s specific needs.

Interlocal

Formed under the Interlocal Cooperation Act, Chapter 791 of the Texas Government Code, the CPAT Interlocal Agreement enables Members to benefit from cost-saving arrangements while meeting the Texas Education Code section 44.031 Purchasing Contracts requirements.

Loss Control

CPAT’s pro-active loss control efforts are proven to reduce catastophic damage. CPAT/Agility Operational Disaster Recovery provides the necessary resources to get public entities up and running quickly.

Please contact us at: 877.373.9339 or info@CPATProgram.org