Is it better to be a CharterSAFE member or to be in a larger pool of mixed organizations?
The truth is that members are, by far, better off in the CharterSAFE pool, because the losses experienced by charter schools are significantly lower than losses experienced by larger pools associated with cities, counties, police departments, fire districts and school districts.
In larger pools, charter schools would be blended with non-charter school organizations and lose the benefit of the superior risk characteristics exhibited by charter schools as a group. Having a better insurance risk profile translates into lower rates and better coverage opportunities.