1. Harassment and Bullying Spark More Lawsuits

All school personnel should receive misconduct alertness training so they can spot the signs of abuse and intervene early.
Anonymous reporting tools can also help drive earlier intervention.

2. Title IX Expansion Increases Due Process Liability.
Title IX is a law that was meant to bar discrimination based on sex in educational program activities and athletics that received Federal financial assistance.

Higher ed institutions should have a Title IX adviser on staff who understands the law and can advise schools on the best course of action to take when a complaint is filed.

3. Active Shooter Defense Done Wrong May Increase the Risk of Injury

Active shooter training is a must for any school, and insurers often can provide access to these resources.

4. Frozen Pipe Bursts May Cause Damage in the Millions

Schools should consider investing in smart sensors that detect moisture and can alert facility managers to a leak. Simple leak sensors cost as little as $50, while water flow detection and shut-off systems top out around $2,000.

5. Employment Practices Lawsuits

Schools should take advantage of their insurer’s legal resources. Many insurance carriers offer a hotline through which school administrators can receive free legal consultation. Understanding their obligations to employees and the potential repercussions of layoffs can help administrators better cover their bases if such an action is necessary.

To get a quote for abuse and molestations go to: https://www.paperless-insurance.com/abuse-and-molestation-insurance-quote-request/

UPDATE 08/30/2022: As of today we offer abuse and molestation coverage to all professions and services. Follow the link and answer only 2 questions to receive your accurate premium indication: Get Instant Abuse Insurance Indication Now

While more than 1.35 million kids suffer a sport-related injury that requires emergency room treatment each year, at an estimated cost of $935 million, student accident coverage is what can help to mitigate the “out of pocket” losses.

At K-12 schools, these accidents are frequent and sometimes severe. In today’s rapidly changing health insurance landscape, out of pocket medical expenses are growing, creating financial burdens for families and exposing schools to contentious liability claims.

We offer the combination of Student Accident for everyday injuries and Catastrophic Medical for the most severe sports-related injuries (with the same carrier). This can help ensure a school is covered for most incidents, therefore minimizing parents’ out-of-pocket medical expenses. From Science Class to Recess, Phys Ed to Football, Cheerleading to Chess Club.

Competitive rates for the 2015-16 school year are now available. Contact Dmitriy Glazer for additional information.

• To get Student Accident Medical and/or Catastrophic Accident Medical insurance quote please complete this application (PDF).

Coverages include:*

• $1,000,000 and $5,000,000 Medical Maximums
• Allocated Benefit Plans
• Various Deductible Options
• Lifetime and Other Term Benefit Periods
• Accidental Death & Dismemberment (Heart & Circulatory Coverage is also Available)
• Permanent Total Disability Benefit
• Family Expense Benefit
• Written as Excess to Other Valid and Collectible Insurance

This program provides coverage for all registered students of the school and can include coverage for pre-school, kindergarten, elementary, junior and/or senior high schools. Boarding school students may also be covered on a 24-hour basis.

These Accident Medical Only plans are available to both public and private schools, on a mandatory or voluntary basis, to cover students while participating in all school sponsored and supervised activities on or off school premises, including participation in interscholastic athletics, including tackle football. Coverage is also provided during tryouts, preseason play, practice, regular and post season play.

School Critical Protection & Recovery (CPR) Insurance Program

Student accident programs have always been designed to protect students while they are the responsibility of school staff. That’s why we also offer School Critical Protection & Recovery (CPR) Insurance Program for schools that need to be prepared for events that may be out of their control.

If insured schools are facing a natural disaster, a breach of their school’s data system, accusations of sexual abuse or a violent attack on their site, they need to be prepared. With School CPR, offered by Special Markets Insurance Consultants (SMIC), they can be.

SMIC offers access to a team of professionals ready to provide a quick response in critical situations combined with excellent programs to protect schools, students and staff.

Coverages include:*

• Student Accident Insurance
• Data Breach Response
• Deadly Weapon Protection
• Sexual Misconduct Liability
• Foreign Travel Evacuation
• Crisis Management

School CPR provides insured schools with a comprehensive package, addressing their critical protection needs and giving administrators the peace of mind they need to focus on the development and education of children. SMIC relieves the worry of the financial impact or emotional trauma that comes with the critical situations facing us today.

• School Critical Protection & Recovery (CPR) Insurance Program (PDF).

Coverage is available in all states and includes state-specific definitions, limitations and exclusions. *Note – information provided above is intended to be a brief description of coverage, inclusions, exclusions, and conditions. A complete sample policy is available upon request.

To get a quote for abuse and molestations go to: https://www.paperless-insurance.com/abuse-and-molestation-insurance-quote-request/