From time to time, we like to share claims scenarios we come across in working with charter schools for their insurance across the nation.

The following claim is one we recently came across where the school’s insurance policy was able to respond to a freak accident.

A young girl was standing in line in the cafeteria waiting for lunch when one of the light fixtures fell from the ceiling on top of her.  The girl suffered a dislocated shoulder and broken arm.   The charter school was sued for negligence and pain suffering.

The charter school’s general liability policy responded to the claim and paid more than $200,000 in damages to the young girl.