Business Details
50+ Years
experience
Trusted Student and Special-Risk Insurance Solutions
Since 1959, First Agency has established itself as a leader in student insurance and special-risk insurance solutions. Our expertise spans decades of dedicated service to educational institutions, athletic organizations, and special-event programs. We specialize in crafting tailored coverage for student and athletic accident needs, including intercollegiate sports, K-12 programs, summer camps, and special-risk events. With a focus on personalized service, we provide prompt quotation responses, timely policy issuance, and efficient claims handling. Our commitment to innovation ensures that institutions benefit from adaptable plans, including lifetime catastrophic coverage and international health options.Backed by over 65 years of industry experience, we serve more than 1,500 schools and organizations across 20 states. Our team prioritizes transparency, offering written annual reports detailing claim payments and renewal rates based on institutional medical expense history. By maintaining direct relationships with clients through annual personal visits, we ensure our solutions evolve with the unique needs of each institution. This dedication to service excellence and client-centric problem-solving has solidified our reputation as a trusted partner in educational and athletic risk management.
Services
Student Insurance
Athletic Insurance
Summer Camp Insurance
Sports Camp Insurance
Special Event Insurance
International Health Insurance
K-12 Blanket Coverage
Intercollegiate Sports Insurance
Voluntary Accident Plans
Preschool Accident Insurance
Details
- Year established: 1959
Highlights and features
- We have over 65 years of experience in student and athletic insurance since 1959
- We provide personalized annual reports with claim payment details
- Our renewal rates are based on institutional medical expense history
- We manage all claims directly from our Kalamazoo, MI office
- We offer lifetime catastrophic coverage up to $5,000,000
Services
Student Insurance
Our student insurance programs provide comprehensive medical protection for academic institutions and their participants. Designed to complement existing health plans, these policies cover accident-related expenses during school-sponsored activities. We offer flexible options including mandatory and voluntary plans with customizable deductibles and coverage limits up to $90,000. This protection extends to domestic and international students, with specialized plans meeting NCAA, NAIA, and NJCAA requirements.
Athletic Insurance
Tailored athletic insurance solutions protect educational institutions and sports participants from financial risks associated with athletic injuries. Our policies cover intercollegiate, interscholastic, and club sports with options for catastrophic coverage up to $5,000,000. We provide specialized plans for overuse injuries, repetitive stress conditions, and HMO/PPO coverage gaps. These programs include emergency medical evacuation and lifetime catastrophic protection for severe injuries.
Special Event Insurance
Customized special-risk insurance programs protect organizers and participants at sports camps, clinics, and special events. Our policies combine medical and liability coverage for activities ranging from youth sports leagues to university-sponsored events. We offer excess coverage beyond personal health plans with low deductibles starting at $25. These programs include protection for property damage, bodily injury claims, and litigation defense costs associated with event operations.
International Insurance
Comprehensive international health insurance plans protect students and athletes studying abroad. Our policies meet visa requirements while providing coverage for medical emergencies, maternity care after 10 months, and pre-existing conditions after 12 months. We offer tiered benefit levels with options for sports injury coverage up to $10,000. These plans include telemedicine services, global provider networks, and emergency medical evacuation assistance.
K-12 Blanket Coverage
Mandatory blanket accident insurance programs protect all students during school-sponsored activities. These excess policies complement parental health plans while reducing administrative burdens through roster-free enrollment. We offer lifetime catastrophic coverage up to $5,000,000 with minimal premiums through group discounts. These programs include full-pay benefits eliminating out-of-pocket expenses for families while providing legal protection against negligence claims.
Questions
What types of student insurance plans do you offer?
We provide intercollegiate sports coverage, K-12 blanket accident plans, voluntary accident policies, international health insurance, and special-risk event programs tailored to institutional needs.
How does your claims processing work?
All claims are managed directly through our Kalamazoo office with annual written reports detailing payment history and pending claims status for institutional transparency.
Do you offer coverage for international students?
Yes, we provide global health insurance plans meeting visa requirements with options for sports injury coverage up to $10,000 and emergency medical evacuation services.
Can schools customize their insurance programs?
We offer fully customizable plans with options for deductibles, coverage limits, benefit periods, and specialized protections for overuse injuries and HMO/PPO exclusions.
What areas do you serve?
We serve over 1,500 educational institutions and organizations across 20 states with personalized insurance solutions for student and special-risk needs.
Reviews (1)
Mike Medrano
Jun 04, 2020
Report
Schools insurance wouldn't pay out anything until my personal insurance did and then didn't have to pay. Then more than a year later when the repair breaks they wash thier hands of it because of time limitations of a growing child. Don't use them and if you have to make sure they pay.
