CSRM case studies
CSRM · Put your knowledge to work in context.
The Certified School Risk Manager (CSRM) is a specialized designation built around the risk management needs of school districts and educational institutions. It is aimed at school risk managers, employee benefits and safety coordinators, human resources staff and others who oversee the risk management function in schools, and the insurance agents and brokers who place school business. The CSRM case studies are 5 cases and about 3,129 words.
1Four Events, No Owner: Building the District's First Risk Register
Three months into her first year, a superintendent of a 4,300-student district with two elementary schools, a middle school, a 1,150-student high school, and a bus depot learns of four unrelated events in one week: a boiler-room carbon monoxide alarm failed and 40 students were evacuated; a parent reported that a volunteer softball coach drove six players to an away game in her own minivan; a $9,000 concession-stand cash box disappeared; and the insurer sent a reservation-of-rights letter on a slip-and-fall claim filed 11 months after the fall. The district has no risk management committee, no written risk register, and no single person accountable for safety, claims, or insurance.
586 words, about 3 min2Coinsurance, Stale Values, and a Sprinkler Loss at the High School
The district's property schedule has been renewed without a full appraisal since 2016. The high school is 215,000 square feet, masonry noncombustible, built in 1997, with a 2019 roof and a 2021 fine-arts addition.
635 words, about 3 min3The Booster Van, the Charter Contract, and the Coach's SUV
A transportation director reports a 62-bus fleet with an average age of 11 years, 14 buses over 15 years, two mechanics, 58 drivers against 64 budgeted positions, and 240 field trips a year. A booster club owns a 15-passenger van and offers to carry the marching band to a regional competition 180 miles away, saving 4,200 in charter cost.
549 words, about 3 min4Hail Losses, a Pool Assessment Increase, and a $100,000 Deductible
At renewal, the public entity risk pool notifies a 3,800-student district that its property and casualty contribution will rise from 612,000 to 742,000, a 21% increase, and that the per-occurrence property deductible moves from 10,000 to 100,000. The pool cites three hail losses in 26 months totaling 2,100,000, plus two playground claims.
569 words, about 3 min5Gym Permit, Expired Certificate, and a Fractured Wrist
A district issues about 260 facility-use permits a year to 14 outside groups and collects 42,000. The permit form is one page and has not been revised since 2012.
790 words, about 4 min