Private and charter institutions face a number of unique challenges when it comes to choosing insurance providers that are both comprehensive and flexible. In addition to general liability insurance for schools, today such organizations may choose from a wide variety of specific coverage options. The following are three of the most important types of coverage that these institutions should consider:
General Liability Insurance
All school districts require charter and private schools to carry some form of general liability insurance, though specific requirements vary with each district and state. Additionally, many districts require that they be included as additional insureds in order to protect their own institutions.
Professional Liability Insurance
Professional liability insurance for schools provides a safeguard against suits brought against educators, including volunteers, tutors, and employees, regarding their work performance. Examples of exposures covered by professional liability insurance include:
- Hiring unqualified persons
- Improper instructional methods
- Failure to grant a student credit or promotion
- Student civil rights violations
Employment Liability Insurance
This type of insurance provides crucial protection against employment malpractice allegations overseen by the Equal Employment Opportunity Commission (EEOC), including claims such as:
- Sexual harassment
- Wrongful termination
The Advantage of Specialized Providers
Today many insurance groups with non-profit and social service experience are able to offer excellent, industry-specific insurance programs. After researching potential providers, make sure to meet with a reliable agent to discuss your specific coverage options.