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5 ORGS · 11 ACTIVITIES ← all strategies ·
approach

Collective Risk Pooling

By pooling financial risk across a trusted group of members or organizations, reduce insurance costs and increase control over coverage and claims, because shared risk lowers per-member liabilities and enables tailored, mission-aligned risk management. This strategy involves organizations leveraging group affiliation—either through self-insured trusts, group insurance, or cooperative models—to achieve greater financial stability and coverage responsiveness than commercial insurance allows. It is distinct from broader advocacy or education strategies, as it operates through financial engineering and collective responsibility rather than influencing public opinion or policy. The shared belief is that aligned groups can manage risk more efficiently than external insurers due to lower overhead, better risk understanding, and stronger incentives for loss prevention.

5
orgs running it
11
activities of those orgs
6
activity groups touched
who runs it

Organizations running this strategy · 5

what it looks like in practice

Activities of orgs running this strategy

A sample of programmatic activities from the orgs above — what the strategy looks like on the ground.

  • Establishment and maintenance of self-insurance reserve fund THE BROOKLYN HOSPITAL SELF INSURANCE TRUST F/K/A BROOKLYN HOSPITAL PROVIDER
    direct service
    Operates a self-insurance reserve fund to cover liabilities arising from losses not covered by traditional insurance policies, functioning as a risk management mechanism for the organization.
  • Provides workers' compensation self-insurance coverage to public school districts NASSAU COUNTY SCHOOLS COOPERATIVE WORKERS COMPENSATION SELF-INSURED TRUST
    direct service
    Offers workers' compensation coverage to public school districts in Long Island through a self-insured trust model, managing claims and benefits for employee work-related injuries and illnesses.
  • Administers workers' compensation claims for self-insured nonprofit employers NYS HEALTH PROVIDERS WORKERS COMPENSATION TRUST
    direct service
    Manages and disburses workers' compensation claims on behalf of tax-exempt, self-insured employer members of the trust, providing a core risk management function for their employees.
  • Advocacy for agricultural policy NEW YORK FARM BUREAU INC
    advocacy
    Develops and advances agricultural policy positions through a grassroots process that begins at the county level and culminates in resolutions at the annual meeting, while coordinating advocacy efforts and communicating priority issues to state and federal regulatory and legislative authorities.
  • County-level agricultural support and information services NEW YORK FARM BUREAU INC
    direct service
    Operates county support offices that serve as clearinghouses for agricultural information and provide services to members, including support for Long Island Farm Bureau across multiple counties.
  • Funding of agricultural education and support programs NEW YORK FARM BUREAU INC
    grantmaking
    Uses modest earnings from its workers' compensation insurance program to support initiatives that serve New York farmers, including educational and outreach activities.
  • Grassroots engagement and public outreach on agriculture NEW YORK FARM BUREAU INC
    capacity building
    Equips grassroots members with tools and training to enhance public engagement and communicate the importance of agriculture to consumers through organized programs and materials.
  • Leadership and professional development for young farmers NEW YORK FARM BUREAU INC
    capacity building
    Offers the Young Farmers and Ranchers program for individuals aged 18 to 35, including targeted programming for subgroups and a program guide for local committees, to build leadership skills and support future planning in agriculture.
  • Public and member education on agriculture NEW YORK FARM BUREAU INC
    direct service
    Provides education to the public and members on agricultural industry issues through promotion, educational programs, and resources, including operating the New York Farm Bureau Foundation for Agricultural Education and hosting an annual Food and Farm Experience event for school counselors.
  • Workers' compensation insurance and safety services for agricultural employers NEW YORK FARM BUREAU INC
    direct service
    Provides workers' compensation insurance through Safety Group 486, offers up to a 25% up-front discount on premiums, distributes annual dividend payments averaging 42% over five years, and delivers free safety inspections, training materials, and advocacy support with the New York State Insurance Fund for eligible agricultural businesses.
  • Providing group insurance coverage to retired educators and families NEW YORK STATE RETIRED TEACHERS' ASSOCIATION INC - INSURANCE TRUST
    direct service
    Offers group insurance policies as a direct service to retired educators and their families who are members of the New York State Retired Teachers' Association.