Pool Orchestration

POOL PARTY. Happy pool members convene to control their own destiny and reap the benefits, right down to the blockbuster guest speaker.

Pool orchestration:

Very few organizations in the country have our depth of expertise with the intricacies of member-owned risk pools.

Pooling can be a liberating alternative to the constraints of commercial insurance. Especially if you like to exercise more control, spend less money, reduce claims, and retain surplus funds rather than turn them over to an insurer.

If you’re new to the subject of pools, here’s a quick primer: When like-minded organizations in a common field or industry want to take charge of their risk situation, they join forces, create a membership pool, and directly insure their own risks.

Ashton Tiffany helps organizations start and operate a new pool, or make an existing pool work harder and smarter. We currently manage pools for health benefits, workers’ comp, and property and casualty exposures. We provide services like:

  • Underwriting
  • Budgeting and allocation
  • Accounting
  • Claims management
  • Liaison on regulatory issues
  • Safety and loss control reporting
  • Service provider management

To start a conversation with us about launching a new pool, or improving the management of an existing one, call John Ashton at 602.222.2101, or send him an email at john.ashton@ashtontiffany.com.

success stories


One of our pool clients was struggling with costly bus driving claims. Not a happy situation. Determined to turn things around, we invested in a state-of-the-art bus cockpit simulator. We then traveled the state and, with the help of some expert trainers, gave hundreds of drivers their turn behind the virtual wheel. Simulator time was supplemented with classroom training and plenty of discussion of do’s, don’ts, and what-ifs. The result? Giddy grins from bus drivers who got to play with some very cool technology…oh yeah, and a demonstrable decrease in bus claims, too.

Smarter care, lower costs

When employees suffer on-the-job injuries, they’re entitled to workers’ compensation benefits. Depending on the industry, employers’ costs can add up fast. One way to stop the bleeding is to establish a medical professional as the first point of contact for the injured employee. This way, employees get immediate medical advice, and the most appropriate initial treatment plan or referral.

Following this model, we established a nurse triage program for our client’s workers’ compensation pool. We purchased triage software, hired four triage nurses, and contracted with a quality assurance consultant to ensure that calls to the triage nurses were managed correctly.

By avoiding unnecessary claims — when, say, self-care at home is all that is needed — the triage program has saved our client $750,000 to date. Employees who don’t have serious injuries are thrilled, too. They get to avoid the potentially labyrinthine workers’ comp health care system.