Educational Institutions

Coverage

Please contact us today and ask us to build you an insurance package that fits your needs, the savings and value can be considerable. 607-843-8860 or insurance@drickardinsurance.com

Asset Protection

College and Private School Flex Policies - Includes coverages like Business Income, Ordinance or Law, Data Processing, Musical Instruments, Valuable Papers and more.

College and School Deductibles - If more than one deductible applies to a loss involving Property or Inland Marine, the deductible is calculated to result in the higher total payment to you.

Crisis Events Coverage - Covers expenses due to violent and man-made events like food poisoning that require intervention by authorities.

Limited Water Damage - Provides coverage if a window or door is left open and rain, snow, sleet, ice, sand or dust damages the interior of the building or personal property inside of it.

Backup of Sewers/Drains - Covers property that is physically lost or damaged resulting from water that backs up or overflows from a sewer, drain or sump that is not flood related.

Flood Coverage - Provides coverage for damage due to flood or surface water. Also covers expenses to remove debris from your property when such debris is caused by, or results from, flood.

Educational Institution Flood Deductible - $500 deductible applies up to $15000* loss. Flood deductible applies over $15000* loss. Subject to Flood limit.

Fences - Fences included in outdoor property.

Educational Property Extension - Extends BPP coverage from 100' to 1000' for property in the open or in a vehicle. $5000 Extra Expense.

Green Coverage Extension - Gives "green" material options. Reengineering and recertification. Vegetative roofs. Increased period.

Enhanced Identity Recovery Coverage - Reimburses expenses associated with stolen identity. Covers Chief School Administrators, Chief Financial Officer, Treasurer.

Miscellaneous Outdoor Fixtures - Outdoor bleachers, scoreboards, dugouts, flagpoles, light poles, goal posts and playground structures are covered for fire, lightning, explosion, riot and aircraft. Coinsurance does not apply.

Data Processing Coverage - Provides coverage for data processing equipment and computer programs and media.

Replacement Cost Valuation - Replacement cost valuation available on Property and Inland Marine.

Musical Instruments - Floater on musical instruments, including the ones that go home with students.

Protection due to Decisions/Oversight

School District and Educators Legal Liability - Provides protection from legal liability for acts, errors or omissions committed in the discharge of schoolduties. The School Board, School Committee, Board of Trustees, Board of Governors, members of the Board of Education, Board of Trustees, School Directors, Board of Governors, employees, student-teachers and volunteers are all protected by this coverage.

Limited Spousal and Domestic Partner Coverage - Broadens School District and Educators Legal Liability to cover spouses of administrators and Board members for School District and Educators Legal Liability.

Additional Defense - Broadens School District Educators Legal Liability with additional defense coverage for certain types of suits.

Cyber Liability - Data Compromise Response Expense, Computer Attack and Cyber Extortion, Liability due to loss of personally identifiable information, Network Security Liability, Security Breach Liability Coverage, Privacy Breach Liability Coverage, Breach Notice Response Coverage, Guidance on protecting against breaches, Access to breach response experts when you need them. *Not all coverages available for colleges.

Knowledge of Occurrence - Knowledge of a wrongful act does not constitute knowledge by the insured unless the Chief School Administrator or individual designated to receive notice knows.

Protection from Allegations

Abuse or Molestation Liability - Coverage for your vicarious liability for damages arising out of abuse or molestation (including sexual misconduct or sexual molestation). Coverage is available on an occurrence or claims-made basis.

Employment Practices Liability

Employment Practices Liability - Broadest school offering for Employment Practices Liability. Provides coverage for allegations of harassment, wrongful termination, failure to promote, discrimination, etc.

Liability to Volunteers - Extends Employment Practices Liability to cover volunteers working within the scope of their duties.

Liability to Third Parties - Extends Employment Practices Liability to protect against allegations of harassment and discrimination brought by third parties such as vendors, suppliers, service providers, business invitees and clients.

Staff Liability

Health Student Professional - Provides professional liability coverage to you and your students for claims that may arise from health-related curriculums such as practical nurses, EMTs, physical therapy aids, etc.

Employee Benefit Liability - Coverage for you and any employee authorized to act in the administration of your employee benefit programs for legal liability for breach of duty, neglect, error, omission, misstatement or misleading statement in the administration of your employee benefit programs.

Amendment for PTOs, PTAs, Booster Clubs - Optional coverage extends the General Liability policy for “volunteer workers” to any local parent teacher organization, parent teacher association, booster clubs and their members. It also extends to other clubs or organizations by showing them in the schedule.

Law Enforcement and Security Officers Coverage - Covers “wrongful acts” of law enforcement and security officers while acting within scope of their law enforcement duties for you.

Limited Coverage for Governmental Immunity - If “property damage” is less than $2,501, we will not apply the governmental immunity defense.

Limited Key Employee Expense - Reimburses necessary extra expenses you incur to replace a key employee who dies or is permanently disabled.

Commercial Umbrella - This option provides additional liability limits above your Commercial General Liability and Commercial Automobile policies. We’ll also extend coverage above the School District and Educators Legal Liability and the Abuse or Molestation endorsements if you’ve purchased these forms.

Protection from Crime

Kidnap Expense - This coverage reimburses the school or parents for expenses such as hiring a security firm, counseling, reward money and necessary travel.

Employee Theft - Covers employee dishonesty. Meets the statutory requirements for public schools.

Computer Fraud and Funds Transfer Fraud - Covers fraudulent transfer of funds that occurs from inside your building, a banking premise or from fraudulent instructions directing a financial institution to transfer funds from your account.

Auto Coverage

School Bus Replacement Cost Coverage - Optional School Bus Replacement Cost Coverage provides replacement cost coverage for owned buses 10 years old or newer that were originally purchased new by you. At the time of loss, we will allow you to replace the bus with an equivalent new bus or reimburse you for the cost to repair or replace the bus without deduction for depreciation.

Educational Institution Auto Extension - “Bodily injury” resulting from use of a covered auto owned or hired by the named insured. This applies on an excess basis. Towing and labor costs incurred when a covered auto is disabled. Physical damage to hired autos. Physical damage for personal autos of employees or volunteers. The named insured to include certain incorporated subsidiaries and other acquired/formed organizations. Volunteers, employees or elected or appointed administrative officials while using covered autos not owned, hired or borrowed by the named insured. This applies on an excess basis.

Please contact us today and ask us to build you an insurance package that fits your needs, the savings and value can be considerable. 607-843-8860 or insurance@drickardinsurance.com.