The New Jersey Schools Insurance Group (NJSIG) is a self-insurance pool providing insurance coverage and risk management services to approximately 400 school districts and charter schools in New Jersey. Services include workers' compensation, general liability, property insurance, and more, along with claims administration and safety services. The target audience is public educational entities. NJSIG's unique selling proposition is its cost-effective, collective approach to risk management, allowing members to pool resources for mutual benefit, which is not typically available through individual insurance policies[1].