SND Associates

The mission of SDIC is to provide high quality loss control and claim management services to our member school districts. The administration and staff of the School Districts Insurance Consortium is dedicated to foster the spirit of cooperation, confidence and open communication for all it's members. You may have heard about the recent dissolution of some self-insured groups due to inadequate funding and reserving levels or bankrupt insurance companies. This is a factor that you will not have to worry about as a member of the School Districts Insurance Consortium Our Claims staff has an average of 20 years of experience in the area of Workers' Compensation Claims management. We offer on-site Claims Reviews and Consultations for Safe Workplaces. Members enjoy Free Safety Services including training, staff development, workplace safety inspections and Safety Committee training and Free Workplace Safety Certification Training on-site or at the SDIC office in Lansdale conducted by PennSafe. SDIC negotiates cost effective Group Discounts for Medical Bills, Prescriptions, Physical Therapy, Radiology services, and Medical Management, Surveillance and Vocational Rehabilitation services. Premium Discounts are available to members with Safety Committees, A Safety Policy, Provider Panels and Alternative Duty options. In the late 1970's, the concept of self-insurance pools for Workers' Compensation was in its infancy. However, at this time the commercial insurance rates for Workers' Compensation were on the rise. It seemed a natural course of events to look at the idea of pooling resources together to fund a Self-Insured trust as an alternative to the commercial market. Dexter Gresh was an insurance professional that worked for Alexander and Alexander and handled all types of insurance coverages for school districts. In 1978, he became an employee of Sandy ( Samuel ) Palley at Palley Simon Associates and began to develop the groundwork for one such pool as a way to combat rising insurance costs. Sandy Palley hired Mr. Gresh to have him assist with clients and Dexter went off to visit some former client school districts. He began to plant the seed for the Delaware Valley School Districts ( DVSD ) and what would eventually become the School Districts Insurance Consortium ( SDIC ). Mr. Palley recognized the value in this pooling concept and the interest being generated so he began to work with Legal Counsel to develop the outline for a Trust Agreement among the School Districts. Mr. Palley's strong ties with the education insurance industry led him to engage the services of Barry Smith, an insurance professor and statistician to develop a financial model for the pool. In 1979 Sandy Palley and Dexter Gresh launched their project with nine School Districts: Abington, Hatboro-Horsham, Lower Merion, Norristown, Perkiomen Valley, Pottstown, Springfield, Upper Dublin and Lower Moreland. The basic framework for SDIC had been designed. Construction of the Pool began shortly thereafter and on July 1, 1979 the Trust Agreement and Bylaws was adopted. We are proud to continue to serve these original nine districts and to serve an additional seventy-one school districts for a total of eighty members in SDIC, the oldest and largest self-insurance pool in the Commonwealth.

Regardless if you have a perfect driving record or you have accidents, tickets, violations, DUI or Suspended License; we offer hundreds of cheap car insurance options to save you money. For those who have been hit hard by our economy; our cheap auto insurance quotes often feature money saving mon...

Combined Insurance Group, LTD provides Life Insurance, Final Expense Insurance, Auto Insurance, Homeowner Insurance, Renters Insurance, Business Vehicle Insurance and Business Liability Insurance in PA.