PACE Member Coverage
PACE offers a comprehensive array of coverages, custom-designed for Oregon educational institutions. This is a summary of specific sub-limits, terms and conditions, coverage discounts, and more.
Advantages of PACE
- Saves you money by providing free and low-cost assistance to reduce risk and get help before problems happen.
- Saves you time by providing pre-selected services that don’t require contract bidding or extensive hours researching vendors.
Not for Profit
PACE’s only objective is to provide reasonable rates and comprehensive coverage – Unlike insurance companies whose profits are distributed to shareholders.
Custom Coverage
Pricing and member contributions are geared to members’ budgeting cycles,. and coverages are designed for Oregon public education-specific organizations.
Clear Plans
Our plans are written in plain English for our members—no jargon or confusing language. And we are always available to help if you have any questions about your plan.
Services
PACE Legal Services
Get advice you can trust before a situation gets out of control. PACE members have access to full-time attorneys who are experienced in dealing with education and employment-related issues. They are able to offer advice, investigation, defense, and audit services.
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Advantages
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- Reduce the time and money you spend on legal disputes.
- Access to expert attorneys with vast experience in school issues ready to advise members and provide defense, investigation and audit services.
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Features
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- Free legal consultation ($1,000 per incident)
- Waiver of most employment practice deductibles if you use this service before you decide to terminate an employee.
- Call 503-485-4800 and ask to speak to a pre-loss attorney.
- Submit an inquiry now
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Examples of When to Call a PACE Attorney
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- Personal injury on school property – Whether it’s a student injured at sports practice or a parent injured while attending a school event, our staff can often help avoid a lawsuit.
- Employee termination – Most PACE deductibles are waived If your district consults with a PACE legal attorney prior to making an employment termination or suspension decision.
- Student or employee harassment, bullying, discrimination, or retaliation – Call as soon as you receive notice of a complaint. We can assist with investigation and follow-up to minimize liability and resolve the situation.
- Inappropriate staff/student relationships – Legal staff can assist with investigation; ending the employment relationship; and communicating with the press, the community, criminal attorneys, and law enforcement.
- Review of Indemnification Provisions – Before you signing a contract, run it by the legal staff to make ensure you’re protected. PACE attorneys routinely review all types of indemnification provisions.
- Review student activity and waivers – If your staff suggests an activity, call legal services to discuss ways to reduce your liability.
Claims Management Services
People who handle PACE claims understand member needs and the complexities of public educational institutions.
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Advantages
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- The staff have more experience handling complex Oregon education claims than any other organization in the state.
- The staff is well-versed in state and federal law and is backed by the best education law experts in the state.
- The claims management office is located in Oregon, allowing consultants to be anywhere in the state on short notice.
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Features
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- PACE guarantees a 24-hour response to members on any claim.
- Focused on finding the appropriate coverage for you, not looking for ways to avoid paying claims.
- Staff members with extensive experience handling Oregon public-entity claims.
- Hands-on assistance at your site when a claim occurs.
- Open and continuous communication with members.
- Online claims information.
Tenant User Liability Insurance Program
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Insurance for groups using school facilities
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Schools are often the heart of the community and the largest facility available for group meetings. But liability issues make it tricky for education organizations to allow the use of their facilities for non-school events.
The TULIP program allows community groups and others to buy low-cost special event insurance. Many activities allowed on school grounds are covered.
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Advantages
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- Education organizations build partnerships with non-school groups by allowing the use of school facilities.
- Education organizations and non-school groups are protected if something unexpected happens.
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Features
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- Simple: Groups should go to intactspecialty.com for an immediate quote.
- Automatic: A copy of the Certificate of Insurance will be sent to you immediately after purchase.
- Set: No hassle or worries that the group won’t purchase the right coverage.
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Coverage
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Coverage Limit Deductible General aggregate None $0 Products/Completed op $1,000,000 $0 Each occurrence $1,000,000 $0 Personal/Advertising injury $1,000,000 $0 Fire damage $50,000 $0 Medical payments Excluded No-host liquor liability: Aggregate $1,000,000 $0 Each common cause $1,000,000 $0 -
More Info
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- Handout – print and give to any prospective groups wanting to use your facilities.
- Contact – [email protected]
- Contact – Tausha Broadbent, Public Risk Insurance, 503-790-9347
Crisis Management Services
Despite our best planning, challenges arise daily for Oregon’s school districts, education service districts and community colleges. Sometimes those challenges becometurn into a crisis, requiring fast and accurate communications with your audience.
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PACE Is Here to Help
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Every year, our trained communications professionals assist dozens of school and community college leaders in getting through difficult circumstances – from gun incidents to criminal charges filed against staff members to heartbreaking tragedies such as suicide.
We coordinate with PACE legal staff to ensure that our messages are in keeping with legal requirements.
Contact the OSBA Communications Services team [email protected].
Risk Management Support
Criminal Background Checks
Among PACE’s many valuable services to its members is the criminal background check program developed with BIO-MED Testing Services.
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Advantages
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- The safety of students and potential liability from negligent-hiring lawsuits are a strong justification for pre-hire background checks. In Oregon, as in other states, lawsuits for negligent hiring are among the fast-growing areas of tort litigation.
- Using a national database, PACE members can conduct comprehensive pre-employment criminal history background checks for both job applicants and volunteers. Better yet, the results come back on the same day.
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Features
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- PACE’s background check scans nationwide information from the following sources:
- State court repositories
- State Administrative Office of the Courts
- Departments of Corrections
- County court records
- Traffic court records
- State sex offender registries
- Probation, parole, and community service records.
- PACE pays for the first five background checks in a calendar year for each PACE member. The fee is just $29 per background check after that.
- PACE’s background check scans nationwide information from the following sources:
Drug and Alcohol Testing
PACE and BIO-MED Testing Services developed a program to help PACE members maintain a drug-free workplace.
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Advantages
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- The safety of students and potential liability from negligent-hiring lawsuits are a strong justification for pre-hire testing. In Oregon, as in other states, lawsuits for negligent hiring are among the fast-growing areas of tort litigation.
- Convenient locations with testing facilities located throughout Oregon and access to mobile testing services.
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Features
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- PACE pays for the first five background checks in a calendar year for each PACE member.
- After that, member fees are
- Non-DOT testing: $40
- DOT-compliant testing fee: $55.
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Free Onsite Risk Management Inspections
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Avoid liability and losses by taking a fresh look at vocational shops, gymnasiums, playgrounds, weight rooms, art and science classrooms, kitchens, and other school facilities. Risk management teams visit facilities to conduct inspections, answer questions and offer training.
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Written Safety Plan Review
SawStop Grant Program
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For PACE Members enrolled in PACE’s General Liability Program
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The SawStop Grant has been approved for another year!
SawStop Grant Program is available until grant funds of $50,000 for a SawStop and $20,000 for a SawStop Blade Replacement are exhausted. Application available below.
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Who Qualifies for the PACE Safety Grant Program?
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PACE members enrolled in the PACE property/casualty risk program are eligible to apply for a grant. Prior approval of the grant application must be obtained before purchase.
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What Projects will Qualify for the Grants?
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This year’s grant program will focus on replacing table saws in the vocational shop and drama departments. Your entity needs to identify a table saw(s) to be replaced. REMOVAL OF THE OLD SAW(S) FROM SERVICE IS REQUIRED. The SawStop saw will be purchased by your entity and PACE will reimburse your entity based upon the criteria below. PACE has worked with SawStop to offer special discounted pricing for this program.
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What Dollar Values Will be Awarded for This Year’s Grant Program?
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PACE members will be awarded funds based on these categories:
- K-12 members with 1-999 ADM — one SawStop with 25% district contribution and 75% PACE Grant
- K-12 members with 1,000-2,999 ADM — one SawStop with 50% district contribution and 50% PACE Grant
- K-12 members with 3,000 and more ADM — one to three SawStops with 66% district contribution and 34% PACE Grant
- Education Service Districts members — one SawStop with 50% ESD contribution and 50% PACE Grant
- Community college members — one, two or three SawStops with 66% college contribution and 34% PACE Grant
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PACE SawStop Blade Replacement Grant
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PACE members can apply for funds to help offset the cost of replacing activated blades and cartridges. Fill out the fillable PDF and return to PACE Risk Management. Grants are available to districts on a first-come, first-served basis, until the funds are exhausted.
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PACE Safety Grant & SawStop Blade Replacement Contact Information
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- PO Box 12613, Salem OR 97309
- Toll-free: 800-285-5461 ext. 111
- Phone: 503-375-8891
- Fax: 503-371-4781
- Email: [email protected].
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SawStop Grant
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- A fillable application is available (94kb ).
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SawStop Blade Replacement Grant
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- A fillable application is available (435kb ).
Benefits
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Limited coverage for legal expenses associated with complaints made under:
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- Breach of employment contract – $50,000;
- Fair dismissal hearing – $50,000;
- Bureau of Labor & Industries (BOLI) / Equal Employment Opportunity Commission (EEOC) – $50,000;
- Oregon Teacher Standards & Practices (for complaints filed by others) – $25,000;
- Oregon Government Standards & Practices Commission (OGEC) ethics – $25,000.
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Limited coverage for legal expenses associated with safety complaints made under:
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- Premises medical coverage – $5,000;
- Applicators Pollution Liability defense coverage – $50,000;
- Mold & mildew – $100,000;
- Lead handling defense – $50,000.
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Coverage for expenses associated with school violent acts – up to $50,000:
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- Emergency-management consulting expenses;
- Rental or lease expenses to relocate victims;
- Counseling expenses;
- Transportation expenses to move victims away from the premises;
- Contracted security or police expenses;
- Hazardous cleanup expenses.
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Other areas of coverage for Oregon public education organizations:
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- Automobile
- Property
- Boiler and machinery
- Terrorism
Coverage Discount
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Discount Overview
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PACE members control insurance costs by pooling resources to protect members from property
and liability claims. PACE Risk Management’s primary mission is to support your risk management
efforts, reducing costs to your entity and the entire risk pool while helping promote the safety
and well-being of all stakeholders. The early detection and mitigation of potential risks are crucial
to these efforts.PACE Risk Management has developed the Self-Assessment Tool to help focus risk management
efforts where help is most needed. After PACE members complete the self-assessment (best
practices survey), we will follow up with members that need assistance. If you have questions or
need any assistance, email [email protected]. -
How to Qualify
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All you need to do is complete the following best practices survey questions in the insurance portal to receive a 5% general liability discount
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Has a staff member participated in a PACE training?
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The purpose of training is to develop skills, gain awareness of risk and how to mitigate them, knowledge to change behavior, and protect the health and safety of students, patrons, and our buildings.
Did at least one person from your entity:
- Attend a regional PACE Legal or Risk Management training
- Attend a PACE Legal or Risk Management quarterly webinar or previously recorded webinar
- Have PACE conduct an onsite training
Have all staff watched the PACE PSA video about bullying and harassment?
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Has the member completed Sex Abuse Prevention (SAP) responsibilities?
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K-12, Charter Schools and ESDs:
- All schools in compliance with Erin’s Law and the Healthy Teen Relationships Act
- All school buildings have “We Got This” and “Mandatory Reporting” posters displayed.
Community colleges:
- All staff who work with minors have watched the Mitigation Minute, “Minors on Campus”
- Your Title IX coordinator scheduled a visit and met with our Sex Abuse Prevention Consultant in the last 12 month. Contact [email protected] to schedule this meeting.
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Has the member completed the Cyber Security responsibilities?
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Are you continuing to maintain all of the cyber
requirements that PACE has implemented over the last
3 years? Below are some additional cyber resources:Participate in an external vulnerability scan. One
option for this scan is through CISA.Require at least one cyber training for all staff to be
included in their annual training rotations.Test the recovery of your backups to ensure you are
able to restore to those backups should your data
become compromised. -
Has the member completed a property review?
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The PACE Pool has almost $20 billion in total insured value. Property claims continue to be a significant loss indicator and are one of the primary driving costs for the insurance program.
- Site visit from Risk Management in the last three years?
- Have a process in place to internally conduct routine hazard assessments of all insured properties
- Regular staff trainings on hazard assessments
- Did staff attend a conference or other training session related to preventative property maintenance (i.e. OSFMA, OSSOA)
- Facilities and custodial staff have watched all inspection-related “Mitigation Minutes”
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Has the member completed supervision and security trainings?
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K-12, Charter Schools and ESDs:
- Have you discussed with all staff and set
expectations related to what supervision of
students should look like? Below are resources
to assist you:
Webinars on student supervision
(listed under safety)
Onsite student supervision training
(listed under risk management) - Do you have an expectation and practice of
ensuring all rooms and facilities are closed and
locked when staff are not present to supervise
the area?
QRG Supervision and Security
Community colleges:
- Do you have an expectation and practice of
ensuring all rooms and facilities are closed and
locked when staff are not present to supervise
the area?
QRG Supervision and Security
- Have you discussed with all staff and set
Partnering Organizations
