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School Insurance

Covering the ABCs and 123s.

 

School insurance for your business needs.

Schools can be a second home for the families they serve. Helping you protect this community hub is crucial. Having the right insurance in place for a school’s unique needs can make all the difference when an incident occurs.

Coaches

Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.

What insurance coverage does your school need?

Schools need insurance for obvious things, such as the building, the desks, and the educational equipment. Beyond that, schools must insure their faculty, their reputation, and their ability to continue to educate students. Business insurance isn’t one size fits all; you need an insurer who understands the business of educational facilities.

Keeping your school up and running with the right insurance.

For example, if something should happen to the school’s building and classes cannot be held, an alternative location may need to be secured so learning can continue. Proper school insurance coverage will provide for managing these interruptions to get classes back up and running as quickly as possible.

 

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Helping you protect your school from potential lawsuits.

Schools must also insure against claims of discrimination, harassment, wrongful termination, and negligence. A lawsuit against the school and its officers, directors, board members, and faculty can be very costly to defend, taking away vital resources from the classrooms.

Coverages associated with the educational industry.

And don’t forget other general business insurance elements such as workers’ compensation, crisis response, employee dishonesty, and cyber liability. These coverages will ensure that your school is ready for anything and has the ability to do what it does best.

To learn more about how specialized insurance can benefit your school or district, contact us today.

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As an independent agency, we are here to help you find the right School Insurance coverage.

School Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

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Educator’s Legal Liability

Risk Factor

Officers, directors, and board members are exposed to increased factors and can be held accountable for acts that claim negligence in the performance of their duties including discrimination, harassment, wrongful termination of employees, inefficient administration or supervision, waste of assets, misleading reports, and other misrepresentations.

Solution

Educator’s legal liability insurance protects the decision-makers of the school from lawsuits and claims. Instead of suing the individuals directly, the lawsuit would be defended by the school’s ELL policy. Most people who serve on a board in a volunteer capacity should demand this coverage before serving.

Crime and Fidelity Bond

Risk Factor

What will you do if one of your trusted employees is found guilty of doing something dishonest?

Solution

Crime and fidelity coverage is designed to provide coverage for employee dishonesty, forgery and depository, theft, destruction and disappearance, and more. Discuss the details of this coverage with your agent to learn more.

Valet Parking

Risk Factor
Providing a valet service is convenient for your guests, but damaging a vehicle or property, or causing injury, is a very real risk associated with offering this service.
Solution
Obtain a general liability policy to protect your business from lawsuits by a third party. Be certain that a garagekeepers legal liability policy is also in effect with adequate limits to cover any physical damage to a guest’s vehicle or other vehicles on-site. If you are using an independent valet service, obtain a certificate of insurance to verify they have the proper coverage with adequate limits. Also make sure that your business is named as an additional insured under their policy.

School Security

Risk Factor

Security in schools is becoming a larger issue as attacks have increased in recent years.

Solution

Every school should have a security plan. This plan should detail where students go in the event of an emergency, which entrances are open during school hours, who should contact the authorities, how to spot someone who may pose a security risk and how to react to someone who is trying to cause harm to the students and faculty.

Crisis Response

Risk Factor

Violent acts by students are, thankfully, infrequent on the whole, but they do happen. Violent acts are often excluded in one’s general liability policy. If not dealt with promptly, these can affect the school’s reputation and, if a private school, the bottom line.

Solution

Crisis response coverage can provide reimbursement for services like crisis management, public relations guidance, and counseling services to help staff, students, and families grieve.

Business Interruption Insurance

Risk Factor

What would you do if a fire impacted the operation of your production line and prevented you from serving clients for a day or more? Or what if a pipe leak caused a system outage or extended downtime, leaving your production line inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business interruption insurance compensates you for lost income if your manufacturing facility cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Improvements and Betterments

Risk Factor
Most restaurant owners remember to insure their contents, such as tables and chairs, but do not factor in the cost of the improvements they have made when selecting a building or contents limit.
Solution
If you have done or are considering a renovation to your restaurant, factor the cost into the building limit if you own the building or contents limit if you lease.

Workers’ Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper insurance coverage in place.

Solution

Maintain workers’ compensation insurance to provide benefits to eligible employees. Otherwise, you can be penalized for every day that coverage is not maintained, as well as for any benefits an employee would have been eligible for in the event of a job-related injury or sickness.

Cyber Liability

Risk Factor
Just about all businesses rely on technology in some way; it’s increasingly used to store sensitive information, such as credit cards, passwords, and social security numbers. However, you’re at risk if this information is lost, stolen, or compromised. In fact, you may even be legally obligated to alert those impacted by the breach and possibly pay for any financial loss incurred.
Solution
Experiencing a data breach is often not a question of if but when. Securing a cyber liability policy can offer coverage for expenses associated with compliance regarding data breach notification laws, securing legal counsel to advise on incident response, credit monitoring services, and paying for regulatory defense, as well as penalties arising from privacy law violations.

Business Personal Property

Risk Factor

Fire, weather, burst pipes, and other losses are frequent for child care centers given the large amount of physical space required to operate. These losses can cause significant damage to the school’s business personal property.

Solution

Business personal property coverage allows the center to replace property that has been damaged or destroyed by a covered cause of a loss. For a child care center, this may include property like chairs, tables, books, toys, materials, and supplies.

Abuse and Molestation Insurance

Risk Factor

There are hundreds of reports each year of people being sexually abused by clergy, church staff, volunteers, and congregation members. Countless more are abused without any report being made.

Solution

Obtain the proper abuse or molestation coverage to protect the church in the event of an allegation arises. In addition, consider having a written document to address how to prevent sexual abuse from happening and what to do in the event of an allegation.

Umbrella / Excess Liability Coverage

Risk Factor
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
Solution
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.