At Metropolitan Risk we understand that cash flow for private and charter schools is quite uneven, yet your expenses are constant. Any increase in your expense component can have a substantive impact on your margins as well as your marketplace position as you try and keep your tuition costs competitive.

That’s why at Metropolitan Risk our Risk Advisors do a full on feasibility study of your true cost of risk; and NOT a pure focus on your school’s insurance costs.

It’s been demonstrated that our approach can add up to 3 points on your profit margin which is a far more impactful number than saving 10 percent on your school’s insurance premiums. We accomplish this by analyzing the following data points that in aggregate are driving your administration costs as well as your cost of risk.

Workers Compensation Insurance:

* Manage Direct AND indirect costs

* Claims Trending Analysis

* Experience Modification Calculation Audit Verification Process

* Workers Compensation Premium Audit Verification Process

* Workers Compensation Claims Analysis

* Pre Employment Screening Process

* Loss Control Audit

* Third Party Administration Contract Audit

* Loss Pic Analysis

General Liability Insurance:

* Claims Trending Analysis

* Vendor Contract & Insurance Reviews

* Liability Insurance Reserve Review

* Liability Insurance Plan Design

* Deductible & Retention Analysis (including collateral requirements)

* Third Party Administration Contract Audit

* Liability Claims Procedure Audit

* Loss Control Audit

* Loss Pic Analysis

Property Insurance:

* Property Insurance Program Design

* Pre Loss Business Income Analysis (hint 95% error rate here!)

* Deductible & Retention Adequacy

* Pre Loss Catastrophe Plan

Commercial Automobile Insurance:

* Program Design & Verification

* Vendor Qualification Contract and Insurance Audit

* Loss Control Audit

* Transportation Claims Process Audit

* Transportation Liability Reserve Review

* Third Party Claims Administration

Commercial Umbrella Insurance:

* Limits up to 10 million

* Ability to cover professional & abuse underlying limits

As you can see, Metropolitan Risk can have a substantive impact up and down your profit and loss statement. By focusing on these protocols and processes we ultimately can yield a seven figure sustainable result which will allow your school to invest money back into technology, equipment, and the finest teachers. You cannot achieve this simply by shopping your insurance program.


We encourage you to speak to one of our risk advisors for a free twenty minute consult to see how we can better position your school to be cost efficient and cost consistent.

Fill out the form below or give us a call to get your free cost analysis!

(914) 357-8444