Insurance Program

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MISBO has developed a special program that focuses on the coverage needs that are important to the independent schools. The program includes an expanded commercial package with broad coverage at competitive rates.

Areas include:
  Property & Casualty
  Accident, Directors and Officers
  Foreign - Student insurance and foreign travel is also available.


Cobbs, Allen & Hall have been appointed as the retail broker to handle the insurance placement for all member schools of the MISBO Association. If you choose to participate, effective at your renewal, the insurance carriers will be: Philadelphia for Property, Auto, General Liability, Umbrella, Directors & Officers, and Educators Legal Liability; Hartford for Workers Compensation; and any Tier One/Florida locations will have a property placement with RSUI, CNA, and Lexington.


To expedite this change and to provide you with a renewal quote in a timely fashion, we will need the following:


1. Broker of Record letter printed on your school’s letterhead, signed, and returned to us. There are several different letters, so please complete the letters that apply to your school.


a. Current Zurich MISBO Program insureds - if you are participating in the current      insurance program.

b. Current Philadelphia Insureds - If you currently have P&C, or D&O Insurance with them, please use this one if you wish to participate in future potential dividends exclusive to the MISBO program.

c. Current Hartford WC Insureds - If you currently have Workers Compensation with Hartford, use this one if you wish to participate in future potential dividends exclusive to the MISBO program.


2. The MISBO Program can be placed in conjunction with your current broker at the school’s discretion or directly through Cobbs, Allen & Hall.  Based on your school’s needs if your school wants:


a. CAH to negotiate renewal & include local broker-If you would like to keep your current broker AND place your insurance through our program.  Please sign this letter and additional forward the Broker Agreement to your local broker to complete in order for your local broker to access the program.


b. CAH to negotiate renewal alone-(without your current broker) please complete this one if scenario applies to your school.


Hartford and Philadelphia are insurance carriers both “A” Rated by AM Best and have deep knowledge of the private school sector.  They offer the broadest coverage available in the education industry.  Hartford has the potential for a “pay as you go” program for the Workers Compensation.  With favorable loss history, both Hartford and Philadelphia could potentially offer a dividend program exclusive to MISBO members in coming years.


We look forward to working with you.  Should you have any questions, please contact Bruce Denson, Jr. or Marye Beasley Seymour at 205-414-8100.  You may also forward this information directly to your local broker and we will work with directly them. 


FOR MORE INFORMATION, CALL
Marye Beasley Seymour, Account Executive
Cobb, Allen & Hall, Inc.
115 Office Park Dive, Ste 200
Birmingham, AL 35223
mseymour [at] cahins [dot] com
www.cahins.com
(205) 414-8100