It is the time of year to look at insurance renewals. We hope this information answers many of the questions as you prepare to bid and make a decision. This information is provided below. School insurance decisions should be based on comparing apples to apples and not variables that are unrelated.
Cost is always an issue but only as related to coverage and service.
Occurrence policy forms serve the needs of school districts much better than the limited claims made forms. Pay less get less. Double check if an insurance program looks too good to be true. Compare coverage and service. Liability coverage needs to include general, errors and omissions, directors and officers insurance.