Types of Insurances

  • Workers' Compensation

    Workers' Compensation Insurance protects schools by providing benefits to employees injured on a job site. These benefits can address medical care and related medical costs, retraining and lost wages until the employee can return to work or compensation for permanent disability.

  • General Liability Insurance

    General Liability Insurance provides coverage to schools for bodily injury, personal injury and property damage caused by the business's operations, products, or injury that occurs on the business's premises. This type of business insurance offers overage for third parties who experience harm to themselves or their property because of something you or your workers did or failed to do.

  • Commercial Property Insurance

    Commercial Property Insurance is crucial for schools. Property exposures for educational institutions include faulty playground equipment that could lead to a student injury, uneven or icy walkways that may cause slip and fall accidents, undetected mold issues, frozen pipes that burst in the winter, and more.

  • Directors and Officers Liability

    Directors and Officers (D&O) Liability Insurance protects an educational institution’s executive board if they are named in a lawsuit. The insurance covers costs and damages (awards and settlements) that arise from wrongful action allegations and lawsuits brought against members of the board of directors or an officer of an organization.

  • Employment Practices Liability Insurance

    Employment Practices Liability Insurance (EPLI) coverage protects educational institutions in the event of employment-related claims, including alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation. An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time, seasonal, volunteers and independent contract workers.

  • Cyber Insurance

    Cybersecurity issues like ransomware attacks are on the rise in school districts across the country. Cyber liability insurance provides coverage for certain losses incurred due to data breaches. Businesses increasingly face cyber risks that can threaten their operations and even their existence.