Tag Archive for: Charter School Insurance

Charter School Insurance Program

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Charter School Insurance Program

The Charter School Insurance Alliance has developed an exclusive charter school insurance program that will provide the insurance coverages you need while still saving you money on your insurance premiums.

In our years of working with charter schools we noticed there was a serious deficiency in the market for charter schools to find insurance coverage.  We would have to put together insurance programs with a whole multitude of insurance companies, and many times we still weren’t able to provide all of the necessary insurance coverages charter schools needed.   So after going through the frustration of that we partnered with a few select insurance companies and developed an charter school insurance program.

Not only are you able to get all of the coverages you need from just one agency, but we are also usually able to save charter schools money on their premiums as well.

If you would like to find out more about our charter school insurance program, please contact our office at (702) 507-6999.

Charter School News: High School, Official Had No Duty to Protect Bullied Students

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An important judgement was made last week that will potentially affect charter schools throughout the nation.   A Pennsylvania judge threw out a lawsuit against a school district and high school assistant principal accused of violating a student’s 14th Amendment rights because they were unwilling to guarantee their child’s safety against other students who were bullying her.

I don’t want to spend this post arguing over whether or not the decision and actions made by the school administrators was correct or incorrect.   I want to focus on the insurance implications of this lawsuit and how a proper insurance policy will actually absorb all of the defense costs associated with this type of lawsuit.

General liability insurance policies are designed to pay for claims arising from bodily injury and property damage for incidents where the policyholder is found negligent.   Additionally a general liability policy must also provide defense costs for any claim made against the policyholder unless the insurance company determines the claim is excluded on the policy.

So for a situation like this one where the school is being accused of negligence in regards to the student’s well-being, the general liability policy will defend the accused throughout the court case.

This one of the little-known factors of an insurance policy that becomes extremely important when litigation pops up.  Most liability insurance policies will provide some type of defense for the policyholder.  The amount of defense costs the insurance policy will provide depends upon the policy, but they will usually either provide unlimited defense costs or defense costs up to the liability limit within the policy.   When defense costs are insides the limit of liability of the policy, there is the risk that you could potentially use up your entire limit of insurance before the actual judgement amount is even paid.

If your charter school has additional questions on your general liability policy will respond to claims, please contact our office at (702) 507-6999.

Properly Insuring a Charter School

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Business to properly insure a charter schoolProperly insuring a charter school can be a very difficult thing to do.  There a number of complex insurance coverages, a limited market for them, and only a handful of ways to receive insurance quotes for your school.  The Charter School Insurance Alliance was formed to provide charter schools with all of the insurance coverages they need without paying too much in premium.

We have worked with charter schools for many years now.   We understand the complex insurance coverages associated with charter schools and have formed partnerships with all of the insurance companies that specialize in providing insurance quotes for charter schools.

In addition to that, our dedicated staff also provides a multitude of value-added services to help your charter school avoid unnecessary claims and litigation.  We provide regular seminars on employment-related issues, risk management, loss prevention, cyber protection, and many other items to ensure your school is getting the most out of its insurance premiums.

Additionally, we have learned that no charter school is the same.   Each charter school has its own unique operations which presents its own unique risks.   So properly insuring a charter school requires someone with knowledge and expertise within the industry.   Otherwise you may not be aware of vital insurance coverages that can protect your school from litigation.

If you would like to receive a FREE insurance quote for your charter school or if you would just like to talk to one of knowledgeable and friendly staff, please give us a call at (702) 507-6999 or you can visit us out ‘Get a Quote’ page right here.