About Us
PCAL Overview
Property Casualty Alliance of Louisiana (PCAL) is a non-profit risk program created specifically for Louisiana School Boards. Formed in 2003 to meet the unique needs of Louisiana schools, the PCAL mission is to ensure Members enjoy long-term insurance cost savings while maintaining stability in their budgeting process. PCAL offers its members liability coverages such as automobile, general, educators legal, law enforcement and data compromise/cyber liability.
PCAL is administered by INSURICA. For over 50 years, the INSURICA family of companies has served more than 4,000 schools nationwide. Loss control and claims administration services are provided by Edwards Risk Management. Edwards claims adjusters and loss control representatives specialize in schools enabling them to provide expertise necessary to service the unique needs of educational entities.
Our History
PCAL was created to provide Members with a strategy to achieve the lowest long-term cost for their casualty coverage via multi-year agreements, rate and coverage stability, proactive loss prevention and cash dividends. PCAL is a member owned-and-governed program. Member schools elect a five-Member Board of their peers to provide governance ensuring the program is consistently aligned with the best interests of Members.
Since the program’s inception, PCAL has returned over $2,300,000 in cash dividends to Louisiana classrooms. A strong commitment to loss control allows PCAL members to achieve safer operations resulting in fewer claims and lower costs. Cost-saving risk management resources available to Members include, Bus Driver Safety Training Courses, SafeBus, and over 500 streaming safety videos.
PCAL Team
Board of Trustees
Tim Ward
Vernon PSB
PCAL Board Chairperson
Jarvis Osborne
Bienville PSB
PCAL Treasurer
Sara Andrews
La Salle PSB
PCAL Secretary
PCAL Program Administration
PCAL program administration services are provided by INSURICA. The INSURICA family of companies are leaders in school insurance. American Fidelity Assurance Company, the leading company in the group, was founded more than 50 years ago by C.W. Cameron, and has achieved great success as the second-largest private, family-owned life insurance company in the U.S. Much of Cameron's success was the result of pioneering efforts to make insurance available to the working class. He was an early leader in voluntary payroll deduction insurance. Cameron sold group accident and health insurance to state agency employees and to trade associations. His agency was one of the first of its kind to offer insurance to schoolteachers. Building on that beginning, AFA is now the largest provider of voluntary disability insurance to teachers across the U.S.
PCAL Claims
PCAL claims administration services are provided by Edwards Claims Administration (ECA). ECA is a family-owned independent risk management servicing firm specializing in a wide array of services including claims administration, loss prevention, wellness, environmental/industrial hygiene and employee benefit consulting.
PCAL Loss Control
PCAL loss control services are provided by Edwards Risk Management (ERM). ERM brings over 30 years of risk management experience in the public sector. ERM has been involved with the research, development and implementation of more than twenty self-insurance programs, including managing all aspects of the four risk management pools (over $200 million in premium) for a large state association.
Member-owned since 2003
Delivering lowest long- term cost for property and casualty coverages.