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Schools Are Complex. Insurance to Cover Schools Doesn’t Have To Be.

By April 22, 2021Insurance

Schools can be a second home for the children and the families they serve. 

Protecting this community hub is crucial. Having the right insurance in place for a school’s unique needs can make all the difference when an incident occurs.

Schools need insurance for obvious things such as the building, the desks, and the educational equipment. Beyond that, schools must insure their faculty, their reputation, and their ability to continue to educate students. 

Business insurance is never one size fits all. This is especially true for schools. 

You need an insurer who understands the business of educational facilities.

BDI has expert insurance advisors on staff who specialize in private and charter school insurance. We understand the industry and know the right questions to ask to make sure that your school is covered. 

For example, if something should happen to the school’s building and classes cannot be held, an alternative location may need to be secured so learning can continue. Proper school insurance coverage will provide for managing these interruptions to get classes back up and running as quickly as possible.

Then there are the situations that no one wants to think about. 

Schools must also insure against claims of discrimination, harassment, wrongful termination, and negligence. A lawsuit against the school and its officers, directors, board members, and/or faculty can be very costly to defend. 

Choosing to partner with a local insurance expert such as BDI assures you have an ally in your corner should you ever need one. 

And don’t forget other general business insurance elements such as workers’ compensation, crisis response, employee dishonesty, and cyber liability. These coverages will ensure that your school is ready for anything and has the ability to do what it does best.

To learn more about how specialized insurance can benefit your school or district, call us (830) 303-8300.