学校可以成为他们服务的家庭的第二个家. 保护这个社区枢纽至关重要. Having the right insurance in place for a school’s unique needs can make all the difference when an incident occurs.
学校在一些显而易见的事情上需要保险, 比如建筑, 课桌, 以及教育设备. 除此之外, 学校必须为教师提供保障, 他们的声誉, 以及他们继续教育学生的能力. Business insurance isn’t one size fits all; you need an insurer who understands the business of educational facilities.
例如, 如果学校的建筑发生了什么事情，课程就不能举行了, 为了继续学习，可能需要另一个安全的地点. Proper school insurance coverage will provide for managing these interruptions to get classes back up and running as quickly as possible.
如果一场火灾影响了学校的运作，你会怎么做? 或者如果管道爆裂导致系统中断怎么办? 这些和其他事件会破坏你的教学或上课能力, 可能需要另一个地点. 公共, 私人, and charter schools need protection not only to the building facility and property within the school, 还有管理学校的业务.
It is critical you protect the school with business income and extra expense coverage to ensure your school facility and the things you use to operate your school can be put back into place quickly or in an alternate location. Business income insurance also helps cover the loss of income when you cannot run the school because of covered property damage.
火, 天气, 破裂的管子, 和其他损失 are frequent for schools given the large amount of physical space required to operate. These losses can cause significant damage to the school’s business personal property.
Business personal property coverage allows the school to replace property that has been damaged or destroyed by a covered cause of a loss. For a school, this may include property like desks, chairs, tables, books, materials, and supplies.
Is your school subject to wind, rain, hailstorms, hurricanes, blizzards, or other 天气 events? 这些情况会对学校建筑或屋顶造成重大破坏, not to mention the dangers that lurk within like a burst pipe or cafeteria grease fire.
建筑 coverage protects the permanent school structure from most 天气 perils, 破裂的管子, 一场火灾, 和其他损失.
一个参观者走进学校时滑倒了, 教师或雇员损坏学生的财产, 甚至某些诽谤都对你的学校构成了真正的威胁.
一般责任保险对任何企业都是必要的. It provides broad coverage when you are deemed liable and will pay to defend lawsuits alleging injuries or property damage which occurred as the result of your school operations.
There are hundreds of reports each year of children being sexually abused by teachers, 教练, 和志愿者. 还有无数人在没有任何报告的情况下被虐待.
Obtain the proper abuse and molestation coverage to protect the school in the event an allegation arises. 除了, consider having a written document to address how to prevent sexual abuse from happening and what to do in the event of an allegation.
学校 volunteers and employees often use personal vehicles to do work for the school.
Make sure to add hired and non-owned auto coverage to the school’s insurance policy to cover this exposure. 还有，检查接送学生的车辆记录.
军官, 董事, and 董事会成员 are exposed to increased factors and can be held accountable for acts that claim negligence in the performance of their duties including discrimination, 骚扰, 错误地解雇员工, 管理或监督不力, 浪费的资产, 误导性的报道, 和其他虚假陈述.
Educator’s legal liability insurance protects the decision-makers of the school from lawsuits and claims. Instead of suing the individuals directly, the lawsuit would be defended by the school’s ELL policy. Most people who serve on a board in a volunteer capacity should demand this coverage before serving.
互联网编织了一张全新的责任暴露网. 电子商务, 社交网络, 云存储, 其他技术给所有企业带来了巨大的好处. 但这些好处也带来了挑战, 包括保护隐私, data, 还有你员工和学生的财务信息.
Cyber liability coverage covers unauthorized access to electronic data or software within your network. 它还提供了传播病毒的保险, 电脑被盗, 敲诈勒索, 或任何无意的行为, 错误, 错误, 或雇员的疏忽. This coverage is quickly becoming more and more important as you embrace technology to help run your school.
If one of your employees receives an injury or becomes ill due to a work-related occurrence, 法律要求你有适当的保险范围.
State disability and 工人的补偿 protects your employees should a job-related injury or sickness occur during their course of employment. 这个保险范围是法律规定的，所以一定要投保.
What happens when your school faces a large liability loss that exceeds the basic limit of your standard policy?
商业保护伞政策提供很高的保险限额, 通常在2美元,000,000年和10美元,000,000. 保险范围扩大到一般责任险以外, 工人的补偿, 商务汽车, 以及董事和高管的责任保险. 它提供了一个巨大的安全网，帮助确保你的学校得到很好的保护.
Security in schools is becoming a larger issue as attacks have increased in recent years.
每个学校都应该有一个安全计划. 这个计划应该详细说明学生在紧急情况下应该去哪里, 哪些入口在上课时间开放, 谁应该与当局联系, how to spot someone who may pose a security risk and how to react to someone who is trying to cause harm to the 学生 and faculty.
学校的募捐者可能会筹集到大量的现金, or a number of administrators/teachers may have access to a school credit card/account numbers.
犯罪保险可以防止现金被盗, and can ensure that the groups within the school raising the money aren’t left in the dark if a cash box goes missing. Employee dishonesty coverage can help protect against a staff member’s scheme to steal money from the school or district.
Violent acts by 学生 are, thankfully, infrequent on the whole, but they do happen. 暴力行为通常被排除在一般责任政策之外. 如果不及时处理, 这些会影响学校的声誉和, 如果是私立学校, 底线.
Crisis response coverage can provide reimbursement for services like crisis management, 公共关系的指导, 并提供咨询服务来帮助员工, 学生, 和家人伤心.
学校还必须防范歧视的指控, 骚扰, 错误的终止, 和过失. 对学校及其官员的诉讼, 董事, 董事会成员, 而且，维护教职员工的成本非常昂贵, 夺走了教室里的重要资源.
And don’t forget other general business insurance elements such as workers’ compensation, 危机应对, 员工不诚实, 和网络责任. These coverages will ensure that your school is ready for anything and has the ability to do what it does best.
To learn more about how specialized insurance can benefit your school or district, contact us today.