CharterSAFE Mission and History

CharterSAFE is a non-profit risk-sharing pool providing a comprehensive insurance and risk management program to independent charter schools in California. Created in 2004 by charter school leaders seeking a more affordable and reliable option for insurance and safety, CharterSAFE currently serves over 850 school sites throughout California.

CharterSAFE's members are its owners. Members hold a proportional share of the CharterSAFE cash surplus and can participate in future distribution of equity in the form of cash dividends or reductions in premium. Members also elect the CharterSAFE board of directors from a pool of nominees, all of whom are leaders in the charter school movement.

CharterSAFE's mission is to provide its charter school members with a strong understanding of charter school exposures and risk mitigation. We believe that a safe learning environment allows member schools to focus on and dedicate its resources towards educating students.


Towards that goal, CharterSAFE has focused on three aspects of school risk financing and risk management.

  • Comprehensive Property & Casualty Insurance Program: CharterSAFE created a comprehensive insurance program to ensure that our member schools are properly covered for all of the exposures in operating a quality school. CharterSAFE writes its own manuscript insurance coverage form (Memorandum of Coverage) to ensure that our coverage is tailored to the needs of charter schools in California. We review both our insurance program and coverage form annually to ensure it adequately encompasses trending innovations or losses in the charter school movement.
  • Complimentary Member Services: CharterSAFE strongly believes that the best way to keep schools safe is to proactively help our members manage their risks and prevent losses. Our risk management team actively seeks to educate our members on best practices for safety and risk management, including HR consulting, site inspections, contract reviews, waiver templates, and more.
  • Proactive Hands-On Claims Management: The best way to ensure a claim is well-managed is to actively participate in the claims process. CharterSAFE's claims team is at the table from the time a member notifies us of a possible claim through the creation of a litigation plan and budget and will attend mediations and hearings as a strong advocate for our charter school members.

As a public entity that serves its member schools, CharterSAFE is in a unique position to support member schools in their unique curricula and educational goals. Please let us know how we can help your school!

Our Team

CharterSAFE has been invaluable to ICEF, especially in the area of HR risk mitigation. The guidance, expertise and support of the JPA staff have allowed us to drastically reduce our exposure to the many risks associated with running public schools. Furthermore, their detailed efforts to help with our processes, procedures, employee handbooks and even some hiring decisions have significantly improved our risk management.

– Parker Hudnut, Chief Executive Officer, ICEF Public Schools

Effectiveness and efficiency is a high priority for our HR Department, so when CharterSAFE sent HR professional Sharon Stull, J.D. to offer professional guidance and HR expertise to conduct an internal audit for us, we jumped on it. Her audit helped strengthen our organizations overall HR management, while also validating our areas of strength. Sharon even offered her assistance in management level training.

– Rick Piercy, Chief Executive Officer, Lewis Center for Educational Research

As a director of an independent charter school, I find that CharterSAFE provides exceptional services. We have used CharterSAFE for over 6 years and we find that the CharterSAFE staff is friendly and helpful, and responds immediately to our questions and needs. They are extremely competitive on their prices and I would highly recommend CharterSAFE to any charter school administrator who wants insurance coverage for their school without any of the headaches!

– Roger Coy, School Director, Three Rivers Charter School

The Top 5 Reasons why CharterSAFE is the Best Insurance for your Charter School

  1. CREATED BY CHARTER SCHOOL LEADERS: CharterSAFE was established by charter school leaders as an alternative to expensive and often inadequate for-profit insurance company programs. As a risk-sharing pool, CharterSAFE designs and offers exclusive access to high quality and affordable coverage for charter schools throughout California. CharterSAFE works exclusively with charter school organizations and understand the unique needs of all members, including developing schools, smaller schools, schools that are experiencing rapid growth and charter management organizations with multiple schools.
  2. CUSTOMIZED FOR YOUR SCHOOL: The mandated insurance requirements of charter school authorizers vary from district to district. CharterSAFE knows what your authorizer's specific insurance requirements are and ensures that your school is in compliance. CharterSAFE provides its members with uniquely written policy language that is tailored to the specific coverage needs of charter schools.
  3. LOSS PREVENTION: Risk Management, safety compliance and human resources services are provided by CharterSAFE at no additional cost to its members. CharterSAFE advises members on best practices in order to avoid costly mistakes and losses.
  4. APPROPRIATE DIRECTORS & OFFICERS COVERAGE: For protection in the event of a lawsuit, CharterSAFE offers appropriate and extensive coverage for the sole benefit of directors and officers who serve your school. This coverage includes higher limits for protection in the event of a lawsuit.
  5. HIGHLY RATED: CharterSAFE brokers and consultants are uniquely qualified in the placement of supplemental excess coverage for scholastic and public entity clients. CharterSAFE purchases insurance for its members from A.M. Best 'A rated' insurance carriers who offer broad coverage and substantial limits. CharterSAFE purchases excess limits above the self-insured layer for its members.