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Coverage Highlights

General Liability

Protects the entity against liability claims for bodily injury and property damage arising out of premises, operations, products, completed operations, advertising and personal injury, and sexual abuse injury.

Security and Law Enforcement Liability

Provides for bodily injury, personal injury, or property damage caused by a wrongful act committed by or on behalf of the entity while conducting law enforcement activities or operations.

Employers’ Liability

Covers expenses not covered by workers’ compensation or general liability coverage, possibly due to the employer’s negligence.

Fiduciary Liability

Protects fiduciaries against legal liability for claims made against them for a wrongful act. Coverage includes both the district that sponsors the covered plans, as well as the individuals who serve as fiduciaries of the plan. This is the only coverage that will provide the district and plan decision-makers with protection against the loss of their personal assets. The coverage also protects against fines and penalties incurred due to a violation of HIPAA regulations.

Employee Benefits Liability

(included in Fiduciary Liability)

Provides protection for claims arising out of errors or omissions in the administration of employee benefit programs.

Errors and Omissions Liability

Designed to cover a broad range of nonbodily injury/nonproperty damage claims made against the administrators, employees, faculty and staff members for decisions they make in the course and scope of their employment.

Employment Practices

Covers the wrongful acts in the employment process and policies, such as providing protection against discrimination, wrongful termination, and retaliation.

Auto Liability

Provides coverage for bodily injury and property damage resulting from a covered accident in which the district is at fault.

Auto Physical Damage

Covers damage to the district’s vehicles. Coverage provides against perils such as collision and comprehensive (including fire, animal damage, etc.).


Protects the physical property and equipment of a district against loss from theft, fire, and other perils. The coverage protects against all risks.

Cyber Liability

Provides coverage for loss resulting from a data breach involving sensitive information such as Social Security numbers, credit card numbers, student information, and employee information.

Pollution Liability

Helps districts manage environmental exposures such as mold, contaminated drinking water, PCB-containing materials, Legionella bacteria, and carbon monoxide.

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