Increased administrative burden on school to file and settle a claim. Unexpected expenses for parents. Disenchanted parents due to unexpected expense and schools handling of situation. Student injury disrupts regular school agenda. Discussions with parents and providers are adversarial unless you pay the claim.
Student withdraws due to unplanned medical expenses.
School loses the tuition revenue from withdrawn student. Parents send brothers and sisters elsewhere due to this experience and so on. Medical providers call the school looking for payment of medical bills. Fundraising from alumni, parents and local community potentially suffers. This is the real, long-term potential of a student injury risk management strategy that does not fully integrate loss control, General Liability and Student Accident insurance coverages.