Core Coverages

Administrative practices liability
Coverage for the consequences of a wrongful act, or an error, omission, or breach of duty, for which the district may become legally obligated to pay.

All-risk property
Coverage for physical loss or damage to property, such as real estate, personal property, and valuable papers, as well as business interruption expenses, rental value, and accounts receivable.

Automobile liability
Coverage for bodily injury and property damage to others resulting from the use or operation of a covered automobile.

Automobile physical damage
Coverage for direct physical loss to the district’s covered vehicles. This includes both comprehensive and collision coverage.

Commercial crime
Coverage for employee dishonesty, forgery, and alteration of documents. This coverage also includes theft; disappearance or destruction of property; property and safe burglary; theft of district money and securities; and computer fraud.

Equipment breakdown
Coverage for direct physical loss to equipment such as boilers; air conditioning and refrigeration systems and related equipment; fiber optic cables; and generators.

General liability
Coverage for bodily injury and property damage to others that the district may become legally obligated to pay, resulting from the activities and operations of the district.

Professional liability
Coverage for the consequences of a wrongful act, or an error, omission, or breach of duty, for which the district may become legally obligated to pay.

Ancillary Coverages

Course of construction
Coverage for all new building and/or renovation projects in excess of $100,000, subject to approval from the Trust prior to the start of construction.

Cyber Liability
Coverage that provides districts with financial protection for expenses and damages related to a data breach or other cyber liability event.

For-profit activities or other non-educational activities liability
Coverage for any for-profit activities that are outside ordinary educational operations, offered on a case-by-case basis and subject to final underwriting approval by the Trust.

Foundation directors and officers liability
A separate commercial insurance policy providing errors and omissions liability coverage for directors and officers of a district’s separately incorporated educational foundation.

International travel liability
Coverage for students, teachers, and volunteers traveling outside the U.S. for district-sponsored functions.

No-fault mold
Coverage for mold, fungal, rot, bacterial, or viral remediation not caused by an occurrence.

Non-owned aircraft liability
Coverage for bodily injury and property damage to others, including passengers, resulting from the use or operation of an aircraft that is not owned by the district.

Pre-paid legal services
Coverage for routine legal services necessary to operate a school district, and for employee discipline or termination proceedings.

Storage tank liability
Coverage for bodily injury and property damage to others resulting from a release from a storage tank system, including costs incurred for corrective action.

Unemployment insurance
This coverage provides a measure of control and predictability when it comes to payment of unemployment benefits and significantly reduces the district burden associated with UI claims.

Workers' compensation (in partnership with the Alliance)
Coverage providing four types of benefits—medical care, death, disability, and rehabilitation—for job-related employee injuries or diseases. Benefits are provided as a matter of right, that is, without regard to fault.