The All Lines Aggregate program is available to you through Protected Self Insurance Program Managers (PSI), a division of Risk Placement Services, Inc.
PSI's All Lines Aggregate program has been consistently providing value to our clients for more than 40 years and insures several hundred entities, many of which are pools that have many members. PSI uses paper that is rated A+ or better by A.M. Best. PSI has the most experienced Package team in the industry.
The All Lines Aggregate program is a contemporary alternative to conventional insurance. It is a tailor-made package that blends risk retention, risk transfer, and customized claims management within a framework designed to effectively manage today's total cost of risk and unlock significant long-term savings.
The All Lines Aggregate program can provide all Property coverage (including Loss of Income, Inland Marine and Automobile Physical Damage); General, Law Enforcement, Public Officials' Errors & Omissions, and Automobile Liability; Workers Compensation; and Crime coverage - all in a single package.
The All Lines Aggregate program combines the cost efficiencies of Self Insurance (for those elements of risk which are predictable) with the security of Insurance (for those elements of risk which are unpredictable). An organization can choose to retain (or self insure) the losses that are expected or can be reasonably anticipated. At the same time, an organization can protect its assets, earnings power, and/or taxpayer dollars by transferring (or insuring) those losses that are unexpected or which cannot be reasonably anticipated.
The All Lines Aggregate program has the following key objectives:
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