Charter Schools

Charter schools have specific insurance requirements to meet given to them by the state which they reside. They need a unique and wide variety of coverages for various risks.

The coverages that are required for charters schools are:

Abuse and Molestation Coverage: Provides defense and indemnity protection against claims coming from allegations of abuse or molestation.

Directors and Officers Coverage: Provides financial protection for the directors and officers in the event they are sued because of their professional performance.

Educators Errors and Omission Insurance: Protects from claims arising from the failure to perform your duties that results in damage to another party.

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Employee Benefits Liability: Coverage for wrongful acts committed in the administration of an employee benefits program.

General Liability: Coverage when negligent acts or omissions result in bodily injury or property damage on the premises of the school

Property Insurance: Protects against most risks to a property, such as fire or theft.

Workers Compensation: Provides compensation and medical care for employees who are injured on the job. 

Some additional coverages you can add on are:

Business Income: Coverage that pays for loss of earnings or income when business operations are interrupted due to a property loss as a result of an insured cause of loss.

Fidelity/ Crime Insurance: Protects from loss of money, securities or inventory resulting from a crime.

Identity Theft Coverage: Provides the consumer with assistance to guide them through the process of restoring and protecting your identity. 

Cyber Liability: Protection against first- and third-party losses associated with the cyber attacks and data breaches.

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Student Accident Insurance: Coverage designed to protect schools from financial loss due to legal action and direct medical costs.

Tuition Fees Insurance: Covers for loss of tuition and room and board fees when school is suspended because of the occurrence of a peril. 

Umbrella: Protects the assets and future income of the policy holder beyond the standard limits of their primary policy. 

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