Schools
Our School Insurance Program offers specifically designed school enhancement coverages, extremely competitive pricing, and incomparable service with the goal of providing the best school insurance products, services, and support in the industry. We assist school administrators to address the most important risks facing educational institutions today. Our industry-focused specialists work with you to learn about your unique risks in depth and offer a comprehensive insurance solution for your private or charter school. For this reason, we offer numerous insurance program structures with tailored loss control and claims services to help you manage the risks faced by private and charter schools.
We partner with many leading insurance carriers to develop and customize coverage for private and charter schools, individually, distinctively, and with the utmost care and professionalism. Recognizing that the exposures to risk for private and charter schools are unique from school to school, our professionals tailor a risk management and insurance solution to each institution, one at a time.
School coverage options include:
- Auto insurance
- Crime insurance
- Cyber Liability
- Data compromise insurance
- Directors and Officers Liability Insurance
- Employee benefits
- Employee benefits liability insurance
- Employment practices liability insurance
- Equipment breakdown insurance
- Fidelity Bonds
- General liability insurance
- Inland marine insurance
- Law enforcement insurance
- Property insurance
- School and Educators Legal Liability (E&O)
- Sexual misconduct and molestation insurance
- Student Accident Coverage
- Umbrella or Excess Liability
- Violent event response insurance
- Workers’ compensation insurance
Do You Need Education Insurance?
Every school needs Commercial Property and Causality Insurance to protect its property, employees, and most certainly the children who attend. Most state departments of public instruction mandate certain coverages for state funded schools.
Why Choose Van Popering Insurance?
We identify the exposures that are unique to schools and partner with insurance carriers to provide comprehensive, custom-made educational insurance solutions for those unique risks. We have procured the broadest coverage to insure against claims such as sexual abuse and molestation, school and educator’s liability and law enforcement liability. Whatever keeps an educator up at night, we strive to address. Our agency leaders sit on the boards of charter schools so we understand the challenges you face.
Commercial General Liability
General liability insurance is a comprehensive policy with broad coverage:
- If someone gets injured on your school premises, general liability covers those injuries.
- If a student, visitor or customer experiences property damage while on your Charter or Private School campus, general liability covers the replacement costs.
- If there are any potential hazards to a person or property that are not specifically included in your insurance policy, general liability expands to automatically provide coverage for new services, structures or locations.
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- General Liability
- Bodily Injury/Property Damage Liability
- Personal and Advertising Injury Liability
- Damage to Premises Rented to You
- Products/Completed Operations
- EPLI
- Athletic Participants (optional)
- Medical Payments (exclude students)
- Corporal Punishment
- Employee Benefit Liability
- Violent Event Response Coverage
- Educators Legal Liability
- Directors and Officers Liability
- Law Enforcement Liability
- Umbrella Coverage
Business Owner's Policy
A Business Owner’s Policy (BOP) is ideal for schools or educational organizations like yours because it provides multiple types of coverage. In addition to general liability coverage, it protects your property as well as your intangible assets.
A BOP covers structural damages and loss to buildings such as school offices, classrooms, and workshops and it covers the physical property inside and outside of each structure.
For example, if your Charter School incorporates interactive technology into the classroom, such as Smart Boards, then losing this type of expensive equipment can be devastating to the school’s financial stability. BOP covers the cost of repairing or replacing this technology, so you don’t have to.
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BOP also protects you from the financial ruin of losing valuable paperwork or electronic data files. If an electrical short corrupts critical data about your students or staff’s certifications and licenses, for example, recovering those files can be quite expensive without BOP coverage.
Property Coverages:
Blanket Building and Personal Property with Special Cause of Loss and Replacement Cost for both Building and Personal Property.
- Ordinance or Law Coverage
- Optional Deductibles
- Building Corporation included as an Insured
- Loss of Income/Tuition & Fees
- Money and Securities
- Glass
- Commercial Computer Coverage
- Underground Fiber Optic Cable
- Data Compromise
Commercial Auto Coverage
Commercial auto insurance is a must-have level of protection if your school uses vehicles for any purpose.
- You may have staff that attend annual seminars, continuing education classes or field trips using personal vehicles.
- You may offer bus and other transportation services to your students.
- You may rent a car while attending a regional conference or event.
Whenever a school or personal vehicle is used for business purposes, commercial auto insurance can protect it from loss due to accidents
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- Auto Liability
- Physical Damage Coverage with Optional Deductibles (include Event Deductibles)
- Non-Owned/Hired Auto Coverage
- Auto Medical Payments
- UM Limits Equal to Liability Limits
- Under-insured or Uninsured Motorist Coverage
Workers' Compensation Coverage
When you have staff, you must also have workers compensation insurance. This is required by law. Workers compensation takes care of your employees if they are injured on the job. It pays medical bills, prescription costs, and temporary or permanent disability if needed.
Employee Benefits
We understand that schools must compete against the public sector for talented educators. In many cases you have to compete against state funded benefit plans. Having worked with many startup and established schools, we offer both the product knowledge and industry specific skills to customize a benefits package for your educational organization’s needs and budget.
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- Major Medical
- Fully Insured – PPO/HMO
- Level Funded
- Self Funded
- Health Reimbursement Account (HRA)
- Health Savings Account (HSA)
- Gap Plans
- Minimum Essential Coverage (MEC)
- Dental
- Vision
- Life Insurance
- Basic Life
- Voluntary Life
- Disability
- Short Term Disability
- Long Term Disability
- Flexible Spending Account (FSA)
- Other Coverages
- Accident
- Cancer
- Critical Illness
- Hospital Indemnity