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About our Program:

One2One Risk Solutions was developed by Gallagher’s K-12 Education Practice, the leader in education risk management, serving over 3,500 public school districts throughout the country. Gallagher worked closely on this project with one of their valued clients who was later awarded the International Association of School Business


Over the years One2One Risk Solution's & Gallagher have achieved many awards for our ingenuity, flexibility, ethics, inclusivity, industry leadership, and low cost. Highlighted are our most proud and prestigious awards.

Gallagher: recognized in 2020 as one of the world's most ethical companies for the ninth consecutive year and is the only honoree in the insurance brokerage industry.

One2One Risk Solutions: Official’s Pinnacle Award for innovation in school business management for the design, financing, and administration of their school’s 1:1 program.

One2One Risk Solutions: 2015 Innovation Award from Business Insurance magazine for leadership, inventiveness, and ingenuity in products and services designed for risk management professionals.

Program Options:

One2One Risk Solutions can meet the needs of virtually any school's philosophy or special requests. We seek to be an all-encompassing program for virtually every aspect of your technology initiative. One2One Risk Solutions has three primary program structure options:

One2One Risk Solutions: Parent-Funded Self-Insurance Model

Parents are directed by your school to the One2One
Risk Solutions website to purchase an optional or mandatory
damage waiver and that money is used by the school to fund losses
as they occur. It takes wonderful advantage of the cost-efficiency
of the self-funded model and also provides your school with a
reasonable source of capital to pay for losses when they happen.
And by having individual families retain financial responsibility for
the device, the risk is held by those who are in the most control of
how the device will be treated—a proven risk management principle.

With a self-insured loss fund established, the aggregate stop-loss
is enacted after the agreed upon retention (loss fund) is depleted. The aggregate protection can be offered regardless of how your district funds the primary losses - through parent damage waivers or
directly through district funds.

One2One Risk Solutions: School-Funded with Stop Loss Model

Districts may find that it is unfeasible and undesirable to
charge an upfront fee to parents/students. We can accommodate
this by leveraging our loss data and history to identify the ideal
loss fund amount. The district will then put aside that amount to
pay for the loss fund amount. We will then assist in consulting
and placing a ladder deductible system for parents/students
to pay once a damage/loss has occurred. The parent deductibles
will then be reimbursed back to the district, in-full.
We even pay merchant fees on your behalf.

One2One Solutions provides a specialized and
innovative stop-loss policy. Purchasing traditional insurance coverage with no self-retention is not a viable option for districts, as either parents or districts will pay more than is necessary
through a traditional insurance purchase. Our approach
allows for the peace of mind that insurance has to offer, but it is provided at a much more reasonable cost where the district is not paying for the profit and overhead of an insurer.

One2One Risk Solutions: Parent-Funded/School-Funded Hybrid Model

This model adopts many of the strategies and approaches
outlined under the Parent Funded Self-Insurance Model with
one primary difference. The parents and the school district
share the total funding for the loss fund amount. Certain school
districts may find it not preferred and/or unrealistic to raise
the entire self-funded pool of funds for damages, repairs, and replacements, solely through parents alone. The hybrid option allows for district's to share the cost along with the parents/students, sharing the financial burden.

One2One Risk Solutions: Parent-Funded Model

Parents can be directed by the district to the One2One Risk
Solutions website to purchase a damage waiver, similar to
a rental car damage waiver. The funds collected are returned
to the district to partially or completely fund the loss fund.
By having individual families retain financial responsibility for the device, the risk is held by those who are in the most control of how the device will be treated—a proven risk management principle.