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PACE has elected throughout the years that individual districts are required to use an insurance agent in obtaining their coverage with PACE.
Insurance agents provide a valuable resource for the district based on their knowledge and expertise within the insurance industry.
A district's agent provides critical services for ensuring that the districts' exposures to claims and losses are properly managed through the entire insurance cycle (coverage reviews, renewal processing, policy maintenance, claims assistance and risk management advice to outline a few).
The services provided can be fairly basic to extremely complex, depending on the district size, type, budget, location, activities and users. However, regardless of how basic a district's budget and operations may be, nearly all districts face property, employee, board, and third party loss exposures for state and federal claims and an insurance agent can help to identity and mitigate those risk factors.
This document reviews factors a district should consider when choosing an insurance agent.
To begin with, an insurance agent should be trustworthy, knowledgeable and responsive. They also should be qualified and able to evaluate insurance organizations to find the right one for their client. The evaluation should consider (but isn't limited to) the organization's:
The following is a listing of basic and enhanced services that an insurance agent should provide to their individual districts.
This sample services list has been created for districts to use in determining reasonable expectations of agent services relative to individual district needs. It is not intended to take the place of an insurance agent's professional judgment or a district's responsibilities in managing district risks of loss or application of Oregon laws.
An insurance agent should provide any prospective client a written disclosure statement containing the following information:
The above samples of services indicate many, but not all, of a public entity's risk management issues. This document has been created for districts' and agents' use in determining a district's reasonable expectation of agent services relative to its needs and a reasonable charge for such services. It is not intended to take the place of a district's or agent's professional judgment, a district's responsibilities in managing risks of loss, or applicable Oregon laws.
If you have questions about this information, please contact the PACE Underwriting Department at 800-285-5461.