Public school districts present various exposures & risks associated with their operation. J. Byrne Agency is a proven and well-regarded specialist in customizing risk management and insurance programs for school districts. Educational institutions vary significantly in size, services offered, specialized educational programs, and grades offered. This creates the need for a proper risk management specialist to assess each district based on individual needs. Public schools provide educational services to students in kindergartens, elementary schools, secondary schools, colleges, and universities.
There may be programs for special needs or at-risk students and adult education, including in-home instruction by visiting teachers or classes in alternative public settings such as a shopping mall. While some public schools target students based on abilities (such as STEM) or interests (such as art or music), in general, they are inclusive, not selective, in serving all eligible students within a geographical area. Before-school or after-school daycare services may be provided to working parents.
Transportation to and from school may be legally required, with transportation often offered for field trips, performances, or sporting events. Public schools are funded by local, state, and federal tax dollars and must meet each governmental level’s requirements for funding to continue. For higher education, additional funding comes from tuition, fees, and sales of books and other supplies.
Recommended coverages include:
- Building
- Business Personal Property
- Business Income and Extra Expenses
- Employee Dishonesty
- Money and Securities
- Accounts Receivable
- Commercial Articles Floater
- Computers
- Contractors’ Equipment
- Valuable Papers and Records
- General Liability
- Employee Benefits
- Professional
- School Board Liability
- Umbrella
- Business Auto Liability and Physical Damage
- Hired and Non-ownership Auto
- Workers Compensation
- Equipment Breakdown
- Flood
- Spoilage
- Computer Fraud
- Cyber Liability
- Employment-related Practices
- Active Shooter