Specializing in
Education
Schools are worlds unto their own, operating with unique and challenging codes, requirements and jurisdictions. Rising operational costs, security concerns, decreases in funding and employment practice liability can seriously affect your institution’s future.
Insurance Solutions
Property
Liability
Sovereign immunity for schools has been modified or waved over the past decades. White tort immunity reduces liability exposure, public entities need various types of liability coverage to protect them against the financial exposure of potential awards and legal defense costs.
Auto
School districts need to protect the investment in their vehicle fleets from many types of driver and storage exposures. Auto liability coverage is required to meet state liability limits and potential legal defense costs.
Workers' Compensation
Workers’ Compensation coverage provides wage replacement and medical benefits to employees injured on the job. Programs often include additional services like loss prevention training and equipment as well as back to work programs to help employee recovery and reduce overall costs.
INSURICA’s Education Experts
Protecting your assets while minimizing risk and exposure to students, staff and the campus demands a thorough understanding of the educational system. INSURICA’s Education Experts bring the experience, guidance and resources you need to uncover and manage unforeseen risks on and off campus.
A Higher Degree Of Coverage
Our team works hand in hand with yours to identify exposure not always evident at first blush. We dig deeper to protect you from a host of risks unique to educators.
Education-Specific Coverages and Services
Resources
Claims
Claims
We define claims management a little differently. We view our role as “a partner in your company’s profitability.”
Loss Control
Loss Control
Loss control has become one of the most important elements of your business’s insurance
program.
Alternative Risk
Alternative Risk
Self-insurance, large deductible plans, captive insurance…Our programs are tailored to fit your specific needs.
Find Out More About Our Services and Capabilities
We are here to answer any questions you may have and look forward to hearing from you.
Latest News
Today’s insurance programs must take into account the unique challenges faced by each client. In addition to a strong coverage program, some businesses may need advanced services. INSURICA has the additional Client Services required by complex business operations.
Addressing Vaping and E-Cigarette Use: Liability and Prevention in Schools
Vaping and e-cigarette use continue to create health, discipline, and safety concerns for school leaders. Vaping prevention in schools requires more than confiscating devices after an incident occurs. Effective vaping prevention in schools combines clear policies, consistent enforcement, staff awareness, student education, and support for students who need help quitting. Because devices can be small, easy to conceal, and difficult to identify, schools should take a proactive approach before concerns become routine or lead to larger issues. Review Policies and Enforcement Practices Schools should [...]
Keeping School Transportation Safe All Year
The first few weeks of school can reveal issues that did not appear during pre-year planning. School bus safety depends on consistent attention to drivers, vehicles, routes, and daily procedures. A regular review of school bus safety helps districts identify concerns early and keep student transportation running safely throughout the year.
Managing Liability During Back-to-School Events
Back-to-school events create excitement, but they also create risk. Managing liability during back-to-school events starts with a little planning before the first open house or pep rally. Schools host several events within a short window each fall, and each one brings its own exposures. A proactive approach helps administrators protect students, staff, and the district while still building school spirit. Start With Facility Use Agreements Outside groups often use school facilities during back-to-school season, including booster clubs, sports leagues, [...]