Find us on Google+

Pennsylvania Educational Institution Insurance: Types of Coverage You Need

Pennsylvania Educational Institution Insurance Types of Coverage You NeedPennsylvania 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:

  1. General Liability
  2. Education E&O
  3. Property Insurance
  4. 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 Coverage1-800-253-6728

This entry was posted in Blog, Education Insurance, Employee Benefits and tagged , , , , , , . Bookmark the permalink. Follow any comments here with the RSS feed for this post. Trackbacks are closed, but you can post a comment.

Post a Comment

Your email is never published nor shared. Required fields are marked *

*
*

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>