About Us

SAIF offers school districts a unique opportunity to control insurance costs.

SAIF was formed in 1996 to provide an alternative to traditional insurance programs. SAIF’s goals are as follows: 

  • Provide predictability in insurance costs 

  • Reduce administrative costs of the fund. 

  • Reduce claims costs by risk management and loss control activities. 

  • Be responsive to members’ insurance needs. 

  • Retain Risk Management Consultant’s central role as advisor to the member. 

Today, SAIF has 138 members located throughout the State.

How is SAIF Governed?

SAIF operates as a regulated joint insurance fund. Its members elect a Board of Trustees, which is responsible for the fund’s operations. The day-to-day operations are the responsibility of Public Entity Group Administrative Services (PEGAS) and other service providers. 

PEGAS is an experienced joint insurance fund manager. It manages the fund from its office in West Windsor.

How can a School District join SAIF?

The entity’s risk management consultant submits underwriting information to SAIF. SAIF will review the information to determine the district’s eligibility. If eligible, SAIF will issue a proposal. Upon acceptance of SAIF’s proposal and completion of membership documents, the district will become a member of SAIF.

To apply, contact Craig Klein via email or call (609) 275-1155 x138

Fund Professionals

Actuary – The Actuarial Advantage, Inc.

Administrator – Public Entity Group Administrative Services

Attorney – Saul Ewing Arnstein & Lehr LLP

Auditor – Withum, Smith & Brown, PC

Claims Administrator – Highland Claim Services, Inc.

Loss Control Specialist – Partnership Safety Consulting

Managed Care – Qual-Lynx