Charter School Insurance Program

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Charter School Insurance Program

The Charter School Insurance Alliance has developed an exclusive charter school insurance program that will provide the insurance coverages you need while still saving you money on your insurance premiums.

In our years of working with charter schools we noticed there was a serious deficiency in the market for charter schools to find insurance coverage.  We would have to put together insurance programs with a whole multitude of insurance companies, and many times we still weren’t able to provide all of the necessary insurance coverages charter schools needed.   So after going through the frustration of that we partnered with a few select insurance companies and developed an charter school insurance program.

Not only are you able to get all of the coverages you need from just one agency, but we are also usually able to save charter schools money on their premiums as well.

If you would like to find out more about our charter school insurance program, please contact our office at (702) 507-6999.

Charter School News: High School, Official Had No Duty to Protect Bullied Students

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An important judgement was made last week that will potentially affect charter schools throughout the nation.   A Pennsylvania judge threw out a lawsuit against a school district and high school assistant principal accused of violating a student’s 14th Amendment rights because they were unwilling to guarantee their child’s safety against other students who were bullying her.

I don’t want to spend this post arguing over whether or not the decision and actions made by the school administrators was correct or incorrect.   I want to focus on the insurance implications of this lawsuit and how a proper insurance policy will actually absorb all of the defense costs associated with this type of lawsuit.

General liability insurance policies are designed to pay for claims arising from bodily injury and property damage for incidents where the policyholder is found negligent.   Additionally a general liability policy must also provide defense costs for any claim made against the policyholder unless the insurance company determines the claim is excluded on the policy.

So for a situation like this one where the school is being accused of negligence in regards to the student’s well-being, the general liability policy will defend the accused throughout the court case.

This one of the little-known factors of an insurance policy that becomes extremely important when litigation pops up.  Most liability insurance policies will provide some type of defense for the policyholder.  The amount of defense costs the insurance policy will provide depends upon the policy, but they will usually either provide unlimited defense costs or defense costs up to the liability limit within the policy.   When defense costs are insides the limit of liability of the policy, there is the risk that you could potentially use up your entire limit of insurance before the actual judgement amount is even paid.

If your charter school has additional questions on your general liability policy will respond to claims, please contact our office at (702) 507-6999.

Utah Charter School Insurance Quotes

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If you have a charter school in Utah, then Charter School Insurance Alliance is your best option for insurance quotes on your charter school.   We have put together an exclusive insurance program that will save you money on your insurance premiums without sacrificing any of the necessary coverages.

We work exclusively with charter schools, and we understand the complicated insurance coverages associated with insuring a charter school correctly.   Additionally, we will help you with the cumbersome insurance applications to make the insurance quoting process quick, easy, and pain-free.

If you would like to find out more about how the Charter School Insurance Alliance can help your Utah Charter School save money on its premiums, then please give our office a call or you can begin the quoting process online right here.