Charter schools, tutoring organizations and educational foundations carry the combined exposure of a workplace, a public building and responsibility for children.
Direct daily responsibility for minors carries abuse and molestation exposure, which is excluded from standard general liability policies.
Schools are substantial employers with governing boards — employment practices and directors and officers exposure are both real and routine.
Buildings, field trips, athletics and after-school programs each extend the exposure beyond the classroom day.
Every organization is different — this is the usual starting point, not a fixed list.
Since 1986 we have placed coverage for the organizations that care for people across California — nonprofit and for-profit alike. That means reading the funding contract, the lease and the program description before we go to market, so the policy matches how you actually operate.
We also include free unlimited access to HR specialists, and we don’t charge a broker fee with most of our insurance programs.
Most organizations we insure do more than one thing. Tell us how yours actually runs and we’ll tell you what you need.
