Greater cost stability. Tailor-made coverages. Improved claims handling. If your Louisiana school is in need of a long-term, cost-effective approach to insurance, look no further. As the first Interlocal Risk Management Agency (IRMA) formed in Louisiana for public schools, PCAL is the leader in its field. PCAL is a non-profit risk program created specifically for Louisiana school boards. PCAL manages the Automobile, General Liability and Educator's Legal Liability exposures unique to Louisiana schools.

Rooted in investment-minded thinking, PCAL is different from other conventional insurance plans. Property and casualty funds are not commingled with the funds and loss exposures of other unrelated funds, such as workers' compensation or group health.

Devoted to program integrity, PCAL offers its Members long-term property and casualty insurance cost savings while maintaining stability in their budgeting process, which also gives school administrators greater peace of mind.

PCAL is administered by North American Solutions. Loss control and claims administration are provided by Edwards Risk Management.

Why PCAL?