Business Details
43 Years
experience
Emergency
services
Your Trusted Partner for Educational Insurance Solutions
Established in 1983, Tri-County Schools Insurance Group (TCSIG) operates as a Joint Powers Authority (JPA) dedicated to providing specialized insurance and risk management solutions for educational institutions. Our mission focuses on pooling the purchasing power of public entities to deliver cost-effective, comprehensive programs while prioritizing member interests over profit. With decades of experience, we offer property, liability, health, dental, vision, and group life insurance, alongside innovative wellness initiatives like our Yuba City Wellness Center, managed in partnership with Acorn Health Group. Our governance model ensures transparency and collaboration, guided by a board representing member entities and an Employee Benefits Advisory Committee.We emphasize long-term financial stability, customer satisfaction, and community-driven decision-making, maintaining a non-profit structure to maximize value for our members. Our unique advantages include market bargaining power, tailored benefit designs, and a six-year history of 0% rate increases. Through proactive risk management, educational outreach via CORE, and a commitment to evolving industry needs, we remain a trusted partner for schools across Northern California.
Services
Property Insurance
Workers' Compensation
Wellness Center
Health Insurance
Dental Insurance
Vision Insurance
Risk Management
Cyber Liability
Auto Insurance
Details
- Year established: 1983
Highlights and features
- We offer 40+ years of specialized insurance expertise for educational institutions
- Our Wellness Center provides free primary care services to members and families
- Maintained 0% rate increases for six consecutive years
- Non-profit JPA structure eliminates profit motives and broker commissions
- Active community involvement through educational initiatives like CORE
Services
Workers' Compensation
TCSIG's Workers' Compensation Program protects educational institutions by providing comprehensive coverage for workplace injuries. Our non-profit JPA structure ensures cost savings through equity build-up and dividend potential while maintaining full transparency. We offer expert resources including risk management meetings, safety programs through Public School Works, and 24/7 Company Nurse triage services to ensure prompt care and claims processing.
Wellness Center
Our Yuba City Wellness Center, managed by Acorn Health Group, offers free preventive and acute care services to members and families. Services include annual exams, vaccinations, chronic disease management, and telemedicine options. Open extended hours Monday-Friday and Saturday mornings, the center focuses on improving health outcomes while reducing overall insurance costs through preventive care initiatives.
Property Insurance
TCSIG provides comprehensive property insurance covering school buildings, equipment, and assets against fire, theft, and natural disasters. Our policies include no individual district deductibles and maintain broad coverage without exclusions for emerging risks like COVID-19. We've demonstrated historical excellence in handling catastrophic losses from wildfires and hurricanes while maintaining industry-leading loss ratios.
Cyber Liability
Our Cyber Liability insurance protects educational institutions against data breaches and cyber-attacks. The program includes proactive risk assessments, incident response planning, and coverage for business interruption losses. As part of our evolving risk management approach, we address modern threats while maintaining traditional coverages without increasing liability deductibles.
Risk Management
TCSIG's risk management services include comprehensive assessments, safety training, and customized solutions for educational institutions. We offer specialized programs for vehicle safety, contract liability, and catastrophic events, along with online resources through Public School Works. Our proactive approach focuses on preventing incidents while providing support for claims mitigation and regulatory compliance.
People
Ryan Robison
Deputy Executive Director
Overseeing finance and operations at TCSIG, Ryan Robison brings extensive experience in educational insurance programs and risk management strategies to support member institutions.
Nisha Johnson
Finance & Operations Manager
Nisha Johnson manages day-to-day financial operations at TCSIG, ensuring efficient administration of insurance programs while maintaining the organization's non-profit financial integrity.
Marisa Garramore
Chief Financial Officer
As CFO, Marisa Garramore oversees all financial aspects of TCSIG's operations, bringing expertise in educational insurance finance and budget management to benefit member districts.
Becca McIntosh
Administrative Clerk
Becca McIntosh provides essential administrative support at TCSIG, ensuring smooth operations and member service excellence through attention to detail and organizational efficiency.
Craig Guensler
Sub-Committee Member
Craig Guensler contributes to TCSIG's Employee Benefits Advisory Committee, representing member interests in shaping insurance programs and wellness initiatives.
Questions
What insurance services does TCSIG offer?
We provide property, liability, health, dental, vision, workers' compensation, cyber liability, and auto insurance specifically tailored for educational institutions.
How can members access wellness services?
Members receive free primary care at our Yuba City Wellness Center through Acorn Health Group, including preventive care, chronic disease management, and telemedicine options.
Do you offer 24/7 emergency services?
Our Company Nurse service is available 24/7 for workplace injury triage, but wellness center hours are limited to 8am-7pm Mon-Fri and 9am-3pm Sat.
What risk management resources are available?
We provide comprehensive risk management including safety training, liability coverage without deductibles, and specialized programs for cyber threats and catastrophic events.
Are there cost-saving benefits for members?
We've maintained 0% rate increases for six years through our non-profit structure, eliminating broker commissions and reinvesting savings to benefit members.
