Risk Co-Op

Risk Co-Op

Our Mission

We partner with member districts to self-insure, administer claims and to purchase excess insurance cost effectively, while also providing long-term protection from financial loss through high-quality risk management services.

Risk Co-Op

Our Risk Co-Op team is highly committed to working in partnership with members to support operations and practices that provide a safe learning environment for students, staff, and community members. We pride ourselves on being available and responsive to individual member needs. Our comprehensive risk management and loss control support and services help our members avoid and reduce risks. However, should an incident occur, we self-insure, work hard to find coverage, and process claims in a prompt and cost-effective manner. Our members are well informed and included in the decision-making process.

We believe local control and regional support is the key to managing successful cooperatives. By working together, we help our members leverage financial and operational resources to provide stability amid a challenging and unpredictable insurance market. The Risk Co-Op makes no profit from schools. Our pricing is transparent and consistent among all members and there are no hidden costs. Our primary objective is to help eliminate claims related expenses so schools can focus their finances on their primary goal – educating kids.

Member Benefits

  • Co-Op is owned by its members
  • $30 M in liability and $500 M in property coverage
  • Replacement cost for buildings and contents
  • ($0) liability deductible and $1,000 property deductible per claim
  • Pre-claim investigation coverage
  • Special Education due process legal coverage
  • Members have a voice in how claims are managed
  • Manuscript policy written exclusively for schools
  • Risk Co-Op team works to find coverage for members

Member Services

  • On-site safety consultations, risk assessments, accident assessments, playground inspections, facility assessments, etc.
  • Telephone and e-mail consultations on safety and risk management issues
  • Emergency operations preparedness support
  • Monthly Risk Management Communications
  • Evidence of Coverage certificates
  • Contract reviews for insurance and indemnification requirements
  • Assistance obtaining other types of Insurance
  • Attorney and Superintendent Ombudsman Consultations
  • Personalized risk assessments and consultations

Our Team

The Risk Co-Op team is committed to providing you with timely, informed and transparent services. We provide long-term protection from financial loss through proactive prevention and high-quality risk management response, programs, and services.

Marnie Allen

Marnie Allen

Assistant Superintendent

Shaun Mettler

Shaun Mettler

Assistant Fiscal Officer II

Rana Karabay

Rana Karabay

Property Casualty Claim Administrator

Trista Greenwood

Trista Greenwood

Loss Control and Underwriting Manager

Wendy Niehaus

Wendy Niehaus

Risk and Member Services Manager

Jessica Sanders

Jessica Sanders

Insurance Programs and Risk Management Specialist

For general information and/or questions about the Risk Co-Op, email riskcoop@esd112.org or call 360-750-7504 and select prompt #2.

Our Members

Risk Co-Op Executive Committee

Scott Westlund, Chair, Kelso, 2022-2024
Michael Green, Woodland, 2024-2026
Dr. Joey Castilleja, Mabton, 2022-2024
Dr. Ann Varkados, Lyle and Centerville, 2024-2026
Dr. Mary Templeton, Washougal, 2024-2026

Risk Co-Op Members

Bickleton
Camas
Castle Rock
Centerville
East Valley
ESD 105
ESD 112
Glenwood
Green Mountain
KWRL Coop
Kalama
Kelso
Klickitat
La Center
Lyle
Mabton
Mill A
Mount Pleasant
Naselle-Grays River Valley
Ocean Beach
Roosevelt
Skamania
Stevenson-Carson
Southwest Washington Unemployment Compensation Pool (SWUCP)
Southwest Washington Workers’ Compensation Trust (SWWCT)
Toutle Lake
Trout Lake
Wahkiakum
Washougal
White Salmon Valley
Wishram
WSIPC
Woodland

Our Meetings

Upcoming Meetings/Events

Executive Advisory Board Meeting
October 24, 2024 – 3:00-4:30 p.m.

Executive Advisory Board Meeting
January 30, 2025 – 3:00-4:30 p.m.

Executive Advisory Board Meeting
May 1, 2025 – 3:00-4:30 p.m.

Meeting Agendas

Meeting Minutes