Schools Insurance Authority

Name

Schools Insurance Authority

Legal name

Schools Insurance Authority

Website

https://sia-jpa.org

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Educational Risk Management and Insurance Pooling

NAICS

Educational Services (611)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Finance, Budgeting, Procurement & AP/AR (School/District Ops) (EDAJAHAL)

akta.pro secondary industries

Compliance, Risk & Audit Support Services (EHS, Title IX/Clery Support, Policy Admin) (EDAEALAK), Student Health Insurance & Benefits Administration (EDALAFAL)

Keywords

• School district insurance
• Workers compensation coverage
• Educational risk management
• Joint powers authority
• Public agency insurance pooling

Headquarters

HQ city

Sacramento

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, Supply Chain

Revenue model

1. Membership Contributions: SIA is a not-for-profit Joint Powers Authority funded through annual membership contributions from member school districts. Revenue supports risk management programs, insurance coverage administration, and member services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Schools Insurance Authority is a California Joint Powers Authority that provides pooled insurance coverage and risk management services to its 34 member K-12 school districts. Its core offering consists of four lines of coverage — Workers' Compensation, Property/Liability/Auto, Dental/Vision/EAP, and Cyber Security — administered alongside prevention and member services such as compliance support, training, ergonomics, Employee Entrance Evaluation testing, and the Golden Carrot wellness fund.

Product overview

Schools Insurance Authority (SIA) is a California Joint Powers Authority providing a comprehensive portfolio of insurance coverage and risk management services to member school districts. The core offering consists of four lines of coverage: Workers' Compensation, Property/Liability/Auto, Dental/Vision/EAP, and Cyber Security. These are complemented by extensive member services including a Legal Services Hotline for HR guidance, Compliance tools and model programs (covering IIPP, heat illness, school safety, ADA, and emergency preparedness), Training workshops, an Ergonomics Program, Employee Entrance Evaluation (E3) physical ability testing, the Golden Carrot wellness incentive fund, and a Materials Order Form for safety signage and training materials. SIA also partners with external organizations including Community Matters, STOPit, Catapult WeTip, and EpiPen to provide anonymous reporting services and emergency medical supplies. The organization operates departments for Administration, Finance & Operations, Prevention Services, Property/General/Auto Liability, Risk Management, and Workers' Compensation.

Differentiator

Problem solved

Functional benefit

Products and services

• Workers' Compensation Coverage Insurance coverage and in-house claims administration for workplace injuries affecting member district employees, supporting injured workers' healthy return to work through early intervention nurses and structured return-to-work programs. For California K-12 school districts.
• Property, Liability & Auto Coverage Insurance coverage for physical property damage, comprehensive legal liability, and collision/comprehensive auto incidents for district vehicles, with in-house claims administration. For California K-12 school districts.
• Dental, Vision & EAP Benefits Administration of dental, vision, and Employee Assistance Program claims and member needs for school district employees. For California K-12 school districts.
• Cyber Security Coverage Insurance and risk management protection for member districts from exposure to cybercrime vulnerabilities through risk management support and guidance. For California K-12 school districts.
• Workplace Counseling Program (Legal Services Hotline) Confidential HR legal advice and guidance for member district personnel on personnel and employee disability-related questions, delivered via unlimited calls/emails, monthly webinars, and coaching support through SCLS. For California K-12 school district HR and administrative staff.
• Compliance Services Model programs, resources, and tools helping member districts comply with state and federal regulations including Injury & Illness Prevention, Heat Illness Prevention, Comprehensive School Safety Plans, Emergency Preparedness, and ADA. For California K-12 school districts.
• Training Programs Workshops, trainings, and online resources covering various safety, ergonomics, compliance, and risk management topics for member district staff. For California K-12 school districts.
• Ergonomics Program Comprehensive ergonomics services, tools, and resources including workstation setup videos, working zones guides, and at-home ergonomic resources for school employees. For California K-12 school districts.
• Employee Entrance Evaluation (E3) Pre-employment, post-offer physical ability test that screens candidates for physical job requirements in classified positions; technicians test approximately 1,200 candidates annually for member districts with a 90% pass rate. For California K-12 school district HR and hiring managers.
• Golden Carrot Fund Health and wellness funding program providing budgeted amounts based on full-time employee count to SIA Workers' Compensation member districts for wellness initiatives. For California K-12 school districts.
• Site Inspection Service Semi-annual site inspections at member school sites to identify potential loss-producing activities and safety hazards, accompanied by PowerPoint resources and monthly property checklists. For California K-12 school districts.
• Storm Water Pollution Prevention Program Program helping member districts meet state storm water regulations by addressing the Industrial General Permit and providing resources for inspection and sampling requirements using the SMARTS program. For California K-12 school districts.

Quantifiable outcome

• 90% of candidates pass the Employee Entrance Evaluation program
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Community MatterscoreStrategic or Co-development PartnerCommunity Matters is an internationally recognized organization committed to improving social-emotional climate of schools. They provide programs including Safe School Ambassador, Restorative Practices, Professional Development, and Safe Schools Buddies. SIA may provide funding to support member districts partnering with Community Matters.
• Catapult WeTipcoreStrategic or Co-development PartnerAnonymous reporting service available to all SIA member school districts at no additional charge. Helps students and staff report concerns about bullying, potential self-harm or harm to others, and vandalism.
• STOPitcoreStrategic or Co-development PartnerAnonymous reporting service available to all SIA member school districts at no additional charge. Helps students and staff report concerns about bullying, potential self-harm or harm to others, and vandalism.
• EpiPen (EpiPen 4 Schools)minorStrategic or Co-development PartnerPartnership to help schools comply with California Education Code Section 49414 requiring emergency epinephrine auto-injectors. SIA provides standing order protocol forms and guidance for schools to obtain and stock epinephrine auto-injectors.
• Schools & College Legal Services of California (SCLS)coreImplementation/ SI/ Consulting PartnerSCLS manages the Workplace Counseling Hotline Program for SIA. Provides confidential HR legal advice and guidance to member districts on personnel and employee disability related questions. Includes unlimited calls/emails, monthly webinars, and coaching support.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Keenan & Associates: California-headquartered insurance brokerage and consulting firm specializing in public schools and community colleges — competes head-to-head with SIA in K-12 risk management and benefits.
• Schools Excess Liability Fund (SELF): California JPA offering excess liability coverage to K-12 districts; comparable structure, customer overlap, and risk-pooling model to SIA's property/liability/auto line.
• North Bay Schools Insurance Authority: California JPA providing workers' comp, property/liability, and risk management to K-12 districts in Northern California — directly comparable in mission and product mix to SIA.
• Self-Insured Schools of California (SISC): California JPA providing health benefits and risk coverage to school districts — the most direct structural and product peer to SIA, sharing the same public-agency pool model and K-12 customer base.

Broad incumbents

• Brown & Brown, Inc. Large US insurance brokerage with growing public-entity and education practice; competes with SIA on broker-led placements and commercial lines and is an active roll-up acquirer.
• Arthur J. Gallagher & Co. Global insurance broker with a large K-12 and public-entity practice; competes for California school-district placements and could acquire or roll up JPA-style operations like SIA.
• Marsh & McLennan: Global insurance and risk advisory firm with significant K-12 and public-sector exposure; a broad incumbent comparable in product lines (workers' comp, property, cyber, benefits) to SIA.

Regional players

• San Diego County Schools Risk Management JPA: Regional California K-12 risk pool serving San Diego-area school districts; same JPA structure and service offering as SIA but limited to a single county footprint.
• CSAC Excess Insurance Authority (CSAC-EIA): California JPA providing excess coverage and risk-sharing services to public agencies (including counties and special districts); similar public-agency pool structure to SIA but broader than K-12.

Others

• Schools Health & Safety Association: Adjacent education-sector support organization providing health, safety, and risk-mitigation resources to schools; thematically comparable to SIA's compliance, training, and ergonomics services but not a direct insurance competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Schools Insurance Authority