As an educational institution, your school faces unique risks and exposures. From private, profit and non-profit schools, to pre-school through post-secondary schools, we’ll help you develop a complete insurance and risk management program to keep your school protected.
Our passion and commitment to education is demonstrated through our professionalism, integrity and assistance to schools, not only in insurance, but to other areas as well.
We provide complete insurance programs and risk management for schools in all sectors, including public (charter or district) and private, profit and non-profit and pre-school through post-secondary school. However, providing coverage for the unique needs of charter schools has been our specialty for many years.
In partnership with our clients, we design programs that protect their assets at competitive prices. We represent the top five insurance carriers that are actively and aggressively seeking to provide insurance protection for schools in Arizona and surrounding states.
How can school insurance protect you?
Use the yellow hot spots and explore how school insurance can help protect against common risks.
What would you do if a fire impacted the operation of your school? Or what if a pipe bursting caused a system outage? These and other events can destroy your ability to teach or hold class, and may require an alternative location. Public, private, and charter schools need protection not only to the building facility and property within the school, but also the business of running the school.
It is critical you protect the school with business income and extra expense coverage to ensure your school facility and the things you use to operate your school can be put back into place quickly or in an alternate location. Business income insurance also helps cover the loss of income when you cannot run the school because of covered property damage.
Business Personal Property
Fire, weather, burst pipes and other losses are frequent for schools given the large amount of physical space required to operate. These losses can cause significant damage to the school’s business personal property.
Business personal property coverage allows the school to replace property that has been damaged or destroyed by a covered cause of a loss. For a school, this may include property like desks, chairs, tables, books, materials and supplies.
Is your school subject to wind, rain or hailstorms, hurricanes, blizzards or other weather events? These situations can cause significant damage to a school building or roof, not to mention the dangers that lurk within like a burst pipe or cafeteria grease fire.
Building coverage protects the permanent school structure from most weather perils, burst pipes, a fire, and other losses.
A visitor walking into the school slips and falls, a teacher or employee causes damage to a student’s property, and even certain claims of slander all pose a real risk to your school.
General liability insurance is a necessity for any business. It provides broad coverage when you are deemed liable and will pay to defend lawsuits alleging injuries or property damage which occurred as the result of your school operations.
Abuse and Molestation
There are hundreds of reports each year of children being sexually abused by teachers, coaches and volunteers. Countless more are abused without any report being made.
Obtain the proper abuse and molestation coverage to protect the school in the event 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.
Business Auto Liability
School volunteers and employees often use personal vehicles to do work for the school.
Make sure to add hired and non-owned auto coverage to the school’s insurance policy to cover this exposure. Also, check the motor vehicle records of anyone who transports students.
Educator’s Legal Liability
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.
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.
The internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage and other technologies bring great benefits to all businesses. But with these benefits also come challenges, including protection of privacy, data and financial information of your employees and students.
Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion or any unintentional act, mistake, error or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your school.
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 coverage in place.
State disability and workers' compensation protects your employees should a job-related injury or sickness occur during their course of employment. This coverage is required by law, so be sure you have it.
What happens when your school faces a large liability loss that exceeds the basic limit of your standard policy?
A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, and directors and officer’s liability coverage. It provides a great safety net and helps ensure your school is well protected.
Security in schools is becoming a larger issue as attacks have increased in recent years.
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.
Crime / Employee Dishonesty
School fundraisers may raise a large amount of cash, or a number of administrators/teachers may have access to a school credit card/account numbers.
Crime coverage can provide coverage against cash stolen on or off the premise, and can ensure that the groups within the school raising the money aren’t left in the dark if a cash box goes missing. Employee dishonesty coverage can help protect against a staff member’s scheme to steal money from the school or district.
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.
Crisis response coverage can provide reimbursement for services like crisis management, public relations guidance, and counseling services to help staff, students and families grieve.
Some of the coverages available include
- Property Coverage: both Real and Business Personal.
- General Liability Coverage: including Sexual Abuse.
- Professional Liability: including Employment Practices Liability, Employee Benefits Liability, Educational Wrongful Acts, Directors and Officers Liability.
- Crime Coverage: Employee Dishonesty, Forgery, Data Breach.
- Automobile (Bus/Van transportation) Coverage
- Student Accident and Medical (primary insurance including sports injuries)
- Excess Coverage: umbrella protection over package coverages.
- Workers’ Compensation.
- Employee Benefits: including but not limited to Medical, Dental, Vision, Life, Disability, and supplemental voluntary benefits. We work with all the major carriers in the state to enable us to design a plan that meets your schools specific needs.
In addition, we provide annual certification training for Asbestos Management and have been an active member of the Arizona Charter School Association since 2002.
We are proud to represent the Arizona Charter Select Insurance Risk Pool for Arizona Charter Schools. Contact us to learn more or to learn more about our school insurance options.