Your Risk is Exceptionally Complex
Schools face some of the most unique and complex risk dynamics of any institution. The pressure to manage these complex risk dynamics continues to build almost daily. You need an insurance partner who knows the challenges you face, which threaten your physical security and financial stability.
We’ve Been Trusted to Protect for Over 50 Years
Individually, our agencies have been trusted to protect Kentucky schools for more than half a century. We’ve worked tirelessly to foster trust with our school clients by always being there. Just as is the case with all of our sister agencies, HIG-Education is still proudly owned and domiciled here in Kentucky with all the local support you’ve grown accustomed to over the years.
With Us, You Have Extraordinary Comfort
At HIG-Education, schools are all we do, it’s what we know, and it’s who we protect. We understand what you’re facing, we know what keeps you up at night, and we’ve been through almost anything you may face. We’ve carefully assembled talent from the strengths of our agencies across the Commonwealth to create a uniquely experienced, smart, and resourceful team devoted to you, our schools.
The Warmth of Our Personal Touch
No matter how far we’ve advanced, we still feel like your hometown agent and always will. Without regard to size or distance, we provide each client with the same expertise, dedication, and passion. You have our total attention and you will always know just how important you are to us. With HIG-Education, you are significant and you are cared for.
Strength and Intelligence in our Numbers
Having the privilege to work with more than 75 school systems gives us unparalleled access to loss and performance data. This knowledge allows us to communicate trends specific to our state and to share large-loss events across the Commonwealth. Our state-of-the-art, customized risk and loss-analysis tools give you better information to make decisions and minimize your total cost of risk.
With HIG-Education, you have access to every carrier writing insurance for school systems in the Commonwealth. This access gives you greater choice, flexibility, and complete customization in your risk management programs. These coverages can include:
Property & Casualty
Property, Inland Marine, Crime
Educators Legal Liability
Law Enforcement Liability
Umbrella or Excess Liability
Section 125-Employee Benefits
Dental & Vision
We have built our capabilities to respond to your unique needs and created value-added services as our commitment to you. Because you deserve to feel cared for, valued, and protected.
Property & Casualty
Section 125-Employee Benefits
We’ve carefully assembled talent from the strengths of our agencies across the Commonwealth to create a uniquely experienced, smart, and resourceful team devoted to you, our schools.
As the leader of our Public Entity Specialty Group, Sue’s team places insurance for 55 County governments, 27 Kentucky Cities and more than 500 governmental subdivisions. Sue’s expertise includes working with large entities who are interested in self insuring all or portions of their insurance risk. Sue works with our clients in the placement of excess insurance as well as managing all aspects of self insurance and/or high deductible/retention, risk management, third party administration and all filings and mandates of self insured employers with the State of KY.
Joe began his insurance career in 1994. Joe has worked closely with Board of Educations since 1998. He clearly understands the importance of insurance coverage designed specifically for all Board of Educations throughout KY and TN. He understands the value of teamwork in accomplishing one’s personal and business goals. His teamwork mentality is very crucial in getting to know his clients well and discovering how he can assist them in protecting their assets through a well-structured insurance program. Many schools, businesses and families rely on Joe’s expertise to deliver the proper coverage at the most competitive price available. Joe and his wife Vicky have been married 39 years. They have six grandchildren. Joe enjoys traveling with family, spending time with his grandchildren, attending athletic events and volunteering at church.
David began his career working for one of the largest insurance carriers in Kentucky as a company representative to independent agencies. He is a licensed agent with nearly 20 years experience in the insurance industry. Coming to Roeding Insurance in 2009, David has focused his professional skills in the placement of insurance for Kentucky Schools, Cities, Utility Districts, Athletic Conferences and Political Subdivisions. David received his Bachelor of Arts degree from Georgetown College and is a Certified School Risk Manager. He is married to a school teacher and they have three daughters. David enjoys spending his personal time watching his three daughters play softball and working locally for his constituents.
David has over 20 years of experience in Public Entity Risk Management, Insurance, and Loss Prevention. During his career, he has supported risk management programs in more than 500 school systems, city/county governments, and utilities in Kentucky, Tennessee, Virginia, and West Virginia. David has been a featured presenter at numerous national, regional, and state conferences. He strongly believes that proactive safety is a major key to a client’s success and effectiveness in managing risk. By partnering with him, David’s clients have seen significant improvements in their risk management programs. David earned a Bachelor of Science degree in Occupational Safety and Health from Murray State University in 1998. He and his wife Jenny reside in Lexington with their three children Bella, MiMi, and Wilson.
Since 1987 Larry has worked to provide Property, Liability, and Workers Compensation insurance to Public Entities. These prospects include Boards of Education, County Governments, City Governments, and Special Districts (Health Departments, Water Districts, etc.). When coverage is placed for a client, that is when he believes the work truly begins. Through 30+ years in this field Larry have seen that competitive bidding may get initial savings, but persistent and effective Loss Prevention Services and reducing insured’s claims is what will keep their future premiums down. Larry has been married to his wife Elaine for 30 years. He enjoys spending time with my family and volunteering at church.