Category Archives: Education Insurance
Pennsylvania Educational Institution Insurance: Types of Coverage You Need Do you own a private school in Freeland, PA? Or a culinary school in Hazleton, PA? Educational institutions are a niche industry that face exposures specific to only them. Although they do need similar insurance policies as a typical business, a standard business policy won’t be able to properly fill in the gaps. Proper comprehensive educational institution insurance protects you, your students, your employees and your reputation. It’s essential to identify your insurance needs and potential risks of a claim of loss, damage or injury you may face. Types of Pennsylvania educational institution insurance: General Liability Education E&O Property Insurance Employee Benefits General Liability provides coverage in the event that someone (student, staff, or third party) gets injured on school property. Examples: Student is injured in physical education class Student slips and falls on a damp cafeteria floor Personal Property is destroyed or damaged Education Errors and Omissions Insurance protect you and your employee in the event that a third party holds the school responsible for a mistake. Examples: The school or employee allegedly practices discrimination, abuse, sexual harassment or sexual molestation Property Insurance protects you against perils and theft. Perils: Fire Lightning Windstorm And more Theft: Signs of forced entry (broken window, broken locker, etc) Employee Benefits may be required in certain school districts. Coverages Include: Health care Workers’ Compensation Medical Liability Another coverage you may need is auto liability. In fact, approximately 1,450 people have been killed in school transportation-related accidents since 1990. Looking to protect your staff and students from incurring unforeseen risk? It’s more important now than ever before to protect your establishment, staff and students from extraneous risk. Call, email or fill out our form and get on the path to education-based risk solutions with Dryfoos. Call now for more information about our Pennsylvania Educational Institution Coverage. 1-800-253-6728
Pennsylvania Educational Institution Insurance: Brief Q&A Pennsylvania’s educational industry is often volatile; operational cost and funding are continually rising and safety and security is often compromised. So, how can educational institutions meet these unpredictable demands? Dryfoos’s Pennsylvania educational insurance and risk management tools enable educational institutions to uphold their moral obligation of protecting their staff and students. These solutions safeguard their overall purpose of teaching without compromising their reputation or finances. We live in a litigious society and educational institutions often fall victim to costly claims. Our brief Q&A will help you understand and more importantly, avert these risks. Who is eligible for Dryfoos’s Pennsylvania educational insurance? Primary and secondary schools Higher education institutions Performing arts schools Trade schools What does Pennsylvania educational institution insurance cover? Public liability covers claims made against its staff and governors Indemnity for teachers for education trips Teacher coverage following suspensions due to abuse allegations Personal possessions coverage Property damage Legal expenses Theft What are the common risks Pennsylvania’s educational institutions face? Serious injury Sexual harassment Bullying Fraud How can we mitigate these risks? Client Portal A resource available through The Dryfoos Group of Insurance Agencies. Provides loss control and risk management information. Access to an online community where you can connect and share information with peers in the educational institution industry Along with your staff, identify common risks and its sources Frequently monitor your school’s programs and operations Practice risk avoidance by choosing alternative school activities that involv less risks Prior to hiring outside vendors, carefully review contracts Work with IT administrators to identify and avert fraud Your protection is important to us here at Dryfoos. Our specialists can give you expert advice on a plan that is right for you, including a risk management assessment to ensure that you, your staff, students, property and assets are properly protected. It’s more important now than ever before to protect your establishment, staff and students from extraneous risk. Call, email or fill out our form and get on the path to education-based risk solutions with Dryfoos. Call Us Today! 1-800-253-6728 Sources: http://www.education.vic.gov.au/school/principals/spag/finance/pages/publicliability.aspx http://edmgt.com/pdfs/publications/0067.pdf
You wake up five minutes before your class assignment is due. Typically this scenario entails a harried rush to class still wearing remnants of your pajamas and dark circles under your eyes. Instead, you stumble sleepily to your computer and log in. The digitalization of our world (and consequently education) is undeniable. 92% of young adults ages 18-24 year olds go online regularly, according to Pew Research. One in four college graduates reported that they have taken a test online; this number has doubled to 46% for students who have taken a course in the past 10 years. And more than 75% of colleges offer online courses. Online courses have been integrated into almost every college campus. They are a sign of changing times, easily accessible technology, and attempts to ease the treacherous budget costs that have saddled college graduates with thousands of dollars in loans. But what are the tradeoffs? There is immediately the problem of limited instructor interaction. Some online programs allow you to Skype with professors or use instant messenger. However, those conversations have to be scheduled and of course are subject to technological malfunctions. How are grad school hopefuls supposed to get recommendation letters if their academic relationships are with virtual teachers? Or with their fellow students for that matter? Of course, there are huge pluses as well. Scheduling classes is infinitely easier. Many online courses allow students to complete coursework on their own schedules, making it easier to juggle jobs and work simultaneously. Tuition for online courses is lower because the overhead costs are lower for that teaching institution; and don’t forget the hidden costs you save on gas money, time, bus passes, food, etc. that come with not having to commute daily to class. What is your opinion on the digitalization of education? Is it possible to save costs and still maintain the same quality of the in-classroom experience? We’d love to hear from you. The Dryfoos Group can provide coverage for many types of educational facilities including primary and secondary schools, as well as colleges, universities, performing arts and trade schools. With a vast array of coverage at all levels of education, we can tailor an Educational Institutions Insurance Policy to fit your needs. Contact us today for more information.