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School Divisions

School Divisions, We’re Here for You.

In today’s world, the risks facing school professionals become increasingly daunting. Your educators, school staff, and administration face enormous pressure to meet the demands of educating our future leaders while providing a safe and effective atmosphere to do so. To do that, we want to make sure you have the most comprehensive coverages available:

  • Property – Written specifically for Virginia public schools under a “special form,” meaning all perils are covered unless specifically excluded
  • Boiler & Machinery – Covers a wide range of equipment such as air conditioning and refrigeration, boilers, and pressure vessels
  • Inland Marine – Covers trailers, boats, and other movable and specialized property, as well as miscellaneous equipment
  • Crime – Covers crimes committed by employees and volunteers, including losses of money and securities from failure to faithfully perform duties, as well as forgery and computer fraud
  • Auto – Covers all vehicles you own, as well as hired and rented vehicles for member business
  • Educators Legal Liability – Provides coverage in the event of a wrongful act by an educator or staff member
  • General Liability – Provides the broadest protection and defense for schools against allegations of bodily injury or property damage
  • Student Accident – Provides secondary medical expense coverage for student injuries sustained during supervised school-time activities, physical education, extracurricular activities and field trips. Coverage also available for interscholastic athletics.
  • Cyber – Provides coverage due to network security breaches that may include hacking, malware, viruses, and online privacy matters like identity theft
  • Workers’ Compensation – Provides the most affordable and responsive workers’ compensation program available
  • Volunteer Accident & Sickness – Coverage for volunteer workers in the event of sickness or work-related injury
  • Catastrophic Student Accident – Fills coverage gaps for catastrophic claims of middle school athletes, high school athletes practicing out-of-season, and catastrophic claims related to all school-sponsored activities, events, and programs
  • Environmental Liability – Provides liability protection, including defense, arising from an environmental incident of discharge or release of pollutants
  • Excess Limits – All coverages can be customized with increased limits beyond what is standard