CM Regent Insurance Company

What CM Regent Insurance Company does

CM Regent Insurance Company is a Pennsylvania-based specialty insurance carrier founded in 1971 as a service offering of the Pennsylvania School Boards Association (PSBA) and now operating as a wholly-owned subsidiary of Church Mutual Insurance Company, S.I. within a mutual holding company structure formed on 1/1/20. The company exclusively insures educational institutions — primarily public school entities in Pennsylvania — through a comprehensive portfolio of Property & Casualty coverages (Property and Liability, Violent Incident Protection, Workers' Compensation, Privacy Protection, Owner Controlled Insurance Program, Excess Liability, School Leaders Legal Liability, and Pollution Legal Liability) and, via its CM Regent Solutions division, a suite of employee benefits (Group Life, Disability, Dental through United Concordia, Vision through NVA, and COBRA administration).

The business is supported by a risk control platform that includes on-site hazard assessments, certified playground and roof inspections, chemistry lab safety evaluations, ergonomic services, and a library of training videos and inspection checklists, plus a dedicated portal (portal.cmregent.com) with online claims reporting for Pennsylvania accounts. Distribution combines a broker channel, the founding PSBA endorsement (a structural advantage providing member-school access), and direct dedicated account management teams assigned to Pennsylvania accounts. Revenue is generated primarily through recurring insurance premiums on the P&C book and managed-services / professional-services fees on the employee benefits and third-party claims administration book, with pricing on a quote-based subscription model tied to individual school risk profiles and claim experience.

CM Regent's commercial model is anchored by long-tenured talent (risk control team with 60+ years of combined experience, claims staff averaging 15 years), an AM Best A (Excellent) financial strength rating, and a partner ecosystem that layers in telemedicine (Concentra Telemed), dental (United Concordia), vision (NVA), legal helplines (Jackson Lewis, Chartwell Law), environmental coverage (UCPM), and boiler inspections (Hartford Steam Boiler) onto the core insurance product. The company holds qualified-provider credentials from the Pennsylvania Department of Labor and Industry for safety committee training. Geographic scope is primarily Pennsylvania with some Midwest reach, and CM Regent Solutions is licensed as a Producer and TPA only in PA and OH, reflecting a deliberate single-vertical, regionally-concentrated go-to-market strategy.

Name

CM Regent Insurance Company

Legal name

CM Regent Insurance Company

Website

https://cmregent.com

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

51–100 employees

Short description

CM Regent Insurance Company is a Pennsylvania-based specialty insurer, founded in 1971 and subsidiary of Church Mutual Insurance Company, S.I., providing Property & Casualty insurance, employee benefits, and risk control services exclusively to educational institutions, primarily Pennsylvania public schools, under PSBA endorsement.

Ownership category

akta.pro rank

Product category

Educational Institution Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Commercial Property Insurance (FSAJACAE)

akta.pro secondary industries

Public Liability (Premises/Operations) (FSAJADAD), Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD), Professional Liability (Errors & Omissions) (FSAJADAB)

Keywords

• School insurance programs
• Property casualty insurance
• Workers compensation coverage
• Educational institution insurance
• Employee benefits administration

Headquarters

HQ city

Mechanicsburg

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Property & Casualty Insurance Premiums: Recurring insurance premiums for property and liability coverage, workers' compensation, violent incident protection, school leaders legal liability, privacy protection, excess liability, and pollution legal liability for educational institutions.
2. Employee Benefits Administration: CM Regent Solutions provides employee benefit products including group life insurance, disability, dental, vision, and COBRA continuation coverage administration services for schools.
3. Third-Party Claims Administration: Third-party claims administration services for customers of CM Regent Insurance Company and Church Mutual Insurance Company, S.I.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

CM Regent Insurance Company underwrites and delivers specialized Property & Casualty insurance (property and liability, violent incident protection, workers' compensation, privacy/cyber, excess liability, school leaders legal liability, pollution legal liability, owner-controlled insurance) and Employee Benefits (group life, disability, dental, vision, COBRA) exclusively for educational institutions, primarily Pennsylvania public schools, backed by on-site risk control services and PSBA endorsement.

Product overview

CM Regent Insurance Company is a specialized insurance provider serving educational institutions since 1971, offering a comprehensive portfolio of Property & Casualty insurance products and Employee Benefits through its CM Regent Solutions division. The Property & Casualty suite includes Property and Liability Insurance, Violent Incident Protection, Workers' Compensation, Privacy Protection, Owner Controlled Insurance Programs, Excess Liability, School Leaders Legal Liability, and Pollution Legal Liability. The Employee Benefits division provides Group Life Insurance, Disability Insurance, Dental Insurance (via United Concordia partnership), Vision Insurance (via NVA partnership), and COBRA Continuation Coverage. CM Regent also offers Risk Control Services including on-site hazard assessments, safety training, and inspection services. The company is backed by Church Mutual Insurance Company, S.I., and is endorsed by the Pennsylvania School Boards Association.

Differentiator

Problem solved

Functional benefit

Products and services

• Property and Liability Insurance Comprehensive property and liability insurance program for public schools covering damage to real and personal property, school-owned vehicles, and general liability claims, supported by experienced claims staff with civil rights litigation expertise.
• Violent Incident Protection Specialized coverage for physical damage, third-party liability, and financial support in the event of violent incidents at schools, with no deductible and limits from $250,000 to $20M.
• Workers' Compensation Insurance Workers' compensation program for schools featuring guaranteed net cost, premium based on individual school claim experience, dedicated account management, injury management model, medical bill re-pricing, and telemedicine access via Concentra Telemed.
• Privacy Protection Insurance Next-generation school insurance policy covering privacy liability from lost computer equipment, network security breaches, human errors, identity theft response fund, network security liability, internet media liability, and cyber extortion.
• Owner Controlled Insurance Program (OCIP) Consolidated insurance purchasing strategy for school construction projects available in Pennsylvania, covering workers' compensation, general liability, excess liability, and optional builder's risk with administrative services.
• Excess Liability Insurance Excess liability coverage that responds when underlying liability limits are exhausted, providing additional limits and follow-form protection for catastrophic school risks.
• School Leaders Legal Liability Professional liability coverage for school administrators including employment practices liability, non-monetary defense costs, triage services, and First Call Hotline for employment and civil rights questions for Pennsylvania accounts.
• Pollution Legal Liability Environmental insurance coverage made available through partnership with UCPM for Pennsylvania public school districts, covering cleanup expenses, third-party bodily injury or property damage claims, and pollution-related legal defense.
• Group Life Insurance Affordable term life insurance coverage through CM Regent Solutions including basic employer-paid term life, voluntary group term life with portability and conversion options, and AD&D coverage for school employees.
• Disability Insurance Disability income protection plans available to employees including short-term and long-term disability options with Premier and Standard plans, offering easy administration and flexible coverage design.
• Dental Insurance Dental benefit plans through partnership with United Concordia Dental offering self-funded and fully insured options with access to the nationwide Alliance Network of over 107,000 dentists.
• Vision Insurance Self-funded vision plans and Opti-Vision Discount Program through partnership with National Vision Administrators (NVA), providing discounted access to vision services including contact lenses and LASIK.
• COBRA Continuation Coverage COBRA Continuation Coverage and Retiree and Part-Time Premium Collection services administered by CM Regent Solutions with prompt notification process, premium tracking, and collection handling.
• Risk Control Services On-site risk control consulting including certified playground and roof inspections, chemistry lab safety evaluations, hazard assessments, elevator and boiler inspections, ergonomic services, and return-to-work programs for schools.
• Third-Party Claims Administration Third-party claims administration services provided for customers of CM Regent Insurance Company and Church Mutual Insurance Company, S.I.

Quantifiable outcome

• No deductible for Violent Incident Protection coverage with limits from $250,000 to $20M
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core, major and minor.

• Pennsylvania School Boards Association (PSBA)coreChannel Partner/ Reseller/ DistributorPSBA is the founder and endorser of CM Regent Insurance Company. CM Regent began as a service offering from PSBA in 1971 and remains proudly endorsed by its founder. PSBA represents Pennsylvania school boards and administrators.
• United Concordia DentalcoreTechnology or IntegrationCM Regent Solutions and United Concordia Dental partnered to deliver enhanced dental plan coverage. Concordia Dental has more than 45 years of experience and serves more than 9.1 million members with a nationwide network of quality dentists.
• National Vision Administrators (NVA)coreTechnology or IntegrationCM Regent Solutions and National Vision Administrators partnered to offer school entities self-funded vision plans and the Opti-Vision Discount Program. NVA provides a nationwide network of quality eye care professionals.
• Concentra TelemedmajorTechnology or IntegrationCM Regent Insurance Company partnered with Concentra Telemed to bring the first telemedicine product designed specifically for workers' compensation injuries. Employees can connect via video conferencing for diagnosis and treatment of minor work-related injuries.
• Jackson LewisminorImplementation/ SI/ Consulting PartnerCM Regent customers outside of Pennsylvania receive FREE access to Jackson Lewis resources including the legal helpline, sample policies, training, and COVID-19 information for employers. Available exclusively to CM Regent customers.
• Chartwell Law Offices, LLPminorImplementation/ SI/ Consulting PartnerChartwell Law Offices provides the First Call Hotline for Pennsylvania accounts, offering legal guidance on employment and labor or civil rights violations within 48 hours.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Philadelphia Insurance Companies (PHLY): PHLY is a specialty commercial insurer with a dedicated education/schools practice offering P&C, liability, and student accident coverages to public and private schools. Direct competitor to CM Regent in the PA education market with broader geographic reach but less exclusive PA-school PSBA endorsement.
• EMC Insurance Companies: Mid-market commercial P&C insurer with strong focus on educational institutions and municipalities in the Midwest. Similar business model to CM Regent as a regional niche P&C carrier targeting schools, providing a comparable competitor when CM Regent looks to expand beyond Pennsylvania.
• United Educators: Liability insurer formed specifically for the education sector, offering educators' legal liability, employment practices, and general liability to K-12 and higher-ed institutions nationwide. Closest analog to CM Regent by mandate: a pure-play education-specialist insurer competing for the same school risk manager wallet.

Broad incumbents

• Church Mutual Insurance Company, S.I. Parent company and financial backer of CM Regent; a national mutual insurance group specializing in religious institutions, schools, and camps. Operates a much broader specialty P&C portfolio serving institutions and human-services organizations across the US. Comparable by category overlap (institutional/nonprofit specialty) and parent-subsidiary economics.
• Hanover Insurance Group: Top-50 US property and casualty insurer with a Specialty Practice serving public entities, including schools and municipalities, across multiple lines including property, liability, and public officials coverage. Larger, publicly traded alternative that competes with CM Regent for Pennsylvania school district accounts.
• Markel Group: Specialty insurer with niche practices including education, camps, and human services. Markel offers property/casualty and professional liability to schools and youth-serving organizations, providing a multi-national specialty competitor for the niche CM Regent occupies.
• Liberty Mutual Insurance: One of the largest US property and casualty insurers with dedicated public entity and education market teams. Competes for large PA school district accounts on specialty programs (workers' comp, property, liability), with vastly more scale but less single-vertical focus.
• Travelers Companies: Large public P&C insurer with a Public Sector & Education practice serving municipalities, school districts, and universities. Competes with CM Regent on workers' compensation, property, and liability for K-12 districts, with materially broader geographic and product reach.
• Chubb Limited: Global P&C leader with significant US education practice (Accident & Health, Liability, Property for K-12 and higher education). Larger premium base but more diverse portfolio; competes on the more sophisticated accounts that need broad-coverage solutions.

Regional players

• Pennsylvania School Districts Insurance Group (PSDIG): Pennsylvania-specific insurance pool/joint purchasing entity serving public school districts with property, liability, and workers' compensation coverage. Operates as an alternative risk-sharing structure within the same PA education market as CM Regent, often competing head-to-head at renewal.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cm-regent-insurance-company

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CM Regent Insurance Company