We partner with many leading insurance carriers to develop and customize coverage for private and charter schools, individually, distinctively, and with the utmost care and professionalism. Recognizing that the exposures to risk for private and charter schools are unique from school to school, our professionals tailor a risk management and insurance solution to each institution, one at a time.
School coverage options include:
Every school needs Commercial Property and Causality Insurance to protect its property, employees, and most certainly the children who attend. Most state departments of public instruction mandate certain coverages for state funded schools.
We identify the exposures that are unique to schools and partner with insurance carriers to provide comprehensive, custom-made educational insurance solutions for those unique risks. We have procured the broadest coverage to insure against claims such as sexual abuse and molestation, school and educator’s liability and law enforcement liability. Whatever keeps an educator up at night, we strive to address. Our agency leaders sit on the boards of charter schools so we understand the challenges you face.
General liability insurance is a comprehensive policy with broad coverage:
A Business Owner’s Policy (BOP) is ideal for schools or educational organizations like yours because it provides multiple types of coverage. In addition to general liability coverage, it protects your property as well as your intangible assets.
A BOP covers structural damages and loss to buildings such as school offices, classrooms, and workshops and it covers the physical property inside and outside of each structure.
For example, if your Charter School incorporates interactive technology into the classroom, such as Smart Boards, then losing this type of expensive equipment can be devastating to the school’s financial stability. BOP covers the cost of repairing or replacing this technology, so you don’t have to.
BOP also protects you from the financial ruin of losing valuable paperwork or electronic data files. If an electrical short corrupts critical data about your students or staff’s certifications and licenses, for example, recovering those files can be quite expensive without BOP coverage.
Blanket Building and Personal Property with Special Cause of Loss and Replacement Cost for both Building and Personal Property.
Commercial auto insurance is a must-have level of protection if your school uses vehicles for any purpose.
Whenever a school or personal vehicle is used for business purposes, commercial auto insurance can protect it from loss due to accidents
When you have staff, you must also have workers compensation insurance. This is required by law. Workers compensation takes care of your employees if they are injured on the job. It pays medical bills, prescription costs, and temporary or permanent disability if needed.
We understand that schools must compete against the public sector for talented educators. In many cases you have to compete against state funded benefit plans. Having worked with many startup and established schools, we offer both the product knowledge and industry specific skills to customize a benefits package for your educational organization’s needs and budget.