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.
Check exclusions that limit coverage. Check policy details before making insurance decisions. Your agent needs to know Ohio school law and policy details. Make certain insurance specifications meet your needs. Review specifications with a knowledgeable school insurance agent.