Tornadoes occur with the greatest frequency during late spring and early summer months between the hours of 4 p.m. and 8 p.m. According to the National Oceanic and Atmospheric Administration (NOAA), every one of Texas’ 254 counties has seen at least one tornado between 1950 and 2023. The most active region in Texas for tornados is the Red River Valley of North Texas.
In 2021 alone, there were 34 school shootings, 24 of which occurred after August 1. A shooting on November 30, in which a student killed four people and injured seven at a Michigan high school, was the deadliest school shooting since May 2018. As of the end of 2021, there were 92 school shootings since 2018.
When making a property insurance purchase decision, the most critical factor is the balance between insured risk and risk retention. Risk retention is usually measured in the amount of exposure to the fund balance in the event of a major property claim.
Timely and effective claim reporting is crucial in managing incidents and ensuring a smooth claims process. Whether it's property damage, bodily injury, legal liability, or cyber incidents, prompt action can help mitigate losses and minimize disruptions.
Catastrophic or “CAT” deductibles are the deductible amounts you pay in event of a loss caused by a catastrophic event, which can include named-storm wind, tornado, hail or flood. Your property coverage is often a combination of policies each designed to respond depending on the type of event that caused the insurable loss.
Learn more about ways for institutions of higher education to keep students' private information secure while upholding the value of free exchange of ideas.
Since universities could potentially be held liable for harm to students due to negligence, it is crucial to acknowledge risk and take steps to prevent litigation.
Most school districts and individual schools have emergency management plans in place. However, they are not always practiced regularly, coordinated with community resources, updated regularly or based on factual data and circumstances. As a result, when schools and districts find themselves in situations that merit an emergency response, they are often left unprepared. Having a solid emergency response plan in place is essential, as emergencies of all shapes and sizes occur in schools on a daily basis, and these incidents can have lasting physical, emotional and educational ramifications.
Any school administrator knows that educational facilities contain countless risks and liabilities to protect against with insurance coverage. But one hazard that many fail to recognize is that of pollution. Because of the unique environment of a school and the greater vulnerability that children have to pollutants, educational facilities actually face one of the largest pollution risks.
Filling up a vehicle used for school trips or on school grounds may seem like an easy, mindless task, but it can be extremely dangerous if done incorrectly. When refueling on school grounds or when stopping off-campus to fill up, make sure you are taking the right precautions to keep yourself, students and the equipment safe. Use these tips to ensure refueling does not result in an accident.
