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Insurance for Schools - What Types of Coverage Do You Need?




Parents, students and teachers should all be familiar with insurance for schools. While an overall liability insurance policy would cover most of the liability risks school facilities face when bringing guests and students on its property, specific policies could also be needed. Athletic and student accident insurance is just one such policy. If a school or other public facility has employees, its insurance policy should also include personal injury protection.


Schools are very large facilities that can carry a lot of liability risk. They hold numerous events that bring both students and faculty on to their property. For example, school buses, recreational vehicles, ice cream trucks, gyms and pools carry students to and from these schools and facilities. Injuries can occur anywhere on these vehicles and many of these accidents can result in serious bodily injury or even death. A comprehensive school safety policy would protect the school from such risks by providing financial protection in the event of a lawsuit or other claim. Many school buses have basic liability coverage while some buses have more extensive personal injury and property insurance coverage.


Property insurance for schools is a separate policy that would provide liability coverage for property damage, vandalism and loss. Liability coverage would cover the cost to repair or replace property if it is damaged or destroyed as a result of an accident caused by the negligence or wrongdoing of another individual or group. Some policies provide blanket liability limits, which means that if a policy holder's insured causes damage to property, the policy is automatically catered to any claims that arise. However, the limits will depend on the type of policy and the value of the school property. Be sure to view here!


Athletic and student accident policies often have the same requirements as general liability insurance policies. However, there are differences between these policies in the types of incidents covered. An athletic policy would typically provide coverage for athletic events like football games and baseball and soccer matches, basketball courts, tennis courts and swimming pools. Student accident policies are similar to athletic coverage, except that they usually do not provide coverage for extracurricular activities. Most student policies will also require that school buses and school property remain immune from liability claims. Start now!


School closed circuit video camera systems are becoming a common school equipment requirement. Some schools may need to consider purchasing conference room and video storage systems to ensure the proper surveillance of school events. For businesses that have high risk activities, like casinos, gaming facilities, food processing plants or professional sports franchises, schools may need to consider purchasing business interruption insurance to protect their business operations in the event of a fire, explosion or civil disturbance. Business interruption insurance would cover a business in the event that a fire were to break out at the business or a person or group of people were injured or killed while in the facility. Similarly, schools may need to consider purchasing business interruption insurance to protect their school library from a legal suit that would result from negligence or deliberate actions of other students. Make sure to check out this website at https://www.youtube.com/watch?v=8mgjqVi5xBU for more details about insurance.


In addition to business interruption insurance and business interruption coverage, schools can also consider purchasing additional types of insurance to protect their student athletes. Athletic coverage may be required by schools that participate in intercollegiate athletic competitions like Division I and Junior College athletics. Additional coverage could be required if the school buses were involved in an accident during school time, causing injuries to students who were traveling on school buses. In addition, some school buses may need uninsured motorist coverage to protect the bus driver and passengers in the case of an automobile accident.