General Liability Insurance

Every school needs General Liability insurance. This essential coverage protects you if you are sued by someone who claims you caused their physical injury or damaged their property.

It’s a fact of life—accidents will happen, and you might be sued. It can occur in an instant: a parent claims your negligence caused a child’s injury, or someone slips on your floor. In any of these circumstances, you may be held responsible.

With Markel’s General Liability insurance, you have the advantage. If you’re sued, Markel will pay the costs associated with defending you, even if the allegations are false, frivolous, or groundless. We’ll also pay the costs to settle a claim, or costs that result if you lose the case. Win or lose, Markel will handle your claim promptly, fairly, and courteously.

We offer limits up to $1 million per occurrence/$3 million aggregate.  Per occurrence is the maximum amount Markel will pay for each covered claim.  Aggregate is the maximum amount Markel will pay for all covered claims combined.

Umbrella Liability Insurance

When your general liability, auto liability, and employer’s liability limits are exhausted, umbrella liability gives higher limits to protect against catastrophic lawsuits. We offer limits up to $10 million.

Other Liability Coverages

Educators’ Liability: Protects your school’s board of directors if they are sued for decisions they’ve made, alleged misstatements, or unfair educational practices. Also defends if your school is sued for the wrongful acts, errors, or omissions of employees, volunteers, and others that arise from job-related duties.

Employee Benefits Liability: If you administer an employee benefits plan for your staff, this coverage is essential. It covers claims resulting from negligent acts or omissions in enrollment, such as mistakes in coverage or inadvertently omitting an eligible employee from coverage.

Corporal Punishment Liability: Defends you against allegations of corporal punishment to your students, even when groundless, false, or frivolous. Many insurance policies don’t offer this much-needed coverage.

Sexual Abuse and Molestation Liability: Offers critical coverage for situations that can be explosive. Our claims staff has expertise in handling these types of claims and is sensitive to the needs of all parties involved.

Sports Liability: We cover many interscholastic and intramural sports, including archery, baseball, basketball, equestrian, field hockey, football, golf, gymnastics, lacrosse, soccer, swimming, tennis, volleyball, and wrestling. Certain restrictions apply to some sports.

Teachers’ Professional Liability: Allows teachers to perform their professional duties without fear of devastating lawsuits, defense costs, and judgments. Without it, you could end up footing the bill alone.

Special Events Liability: Protects you from liability during field trips, fund-raisers, and other special events. And we don’t make you buy a separate policy for most special activities.

Volunteers as Insureds: When your school uses volunteers, they’re acting on your behalf. This insurance defends their unintentional negligent acts as it defends those of your employees.

Child Abduction: Will provide payment for reasonable and necessary covered expenses as a result of an abduction.

Property Insurance

If you own the building that houses your school, you need property insurance to protect both your building and its contents. If you rent, you need property insurance to cover your valuable equipment. Markel’s coverage is available on a special cause of loss basis, which means you’re covered for events like fire, windstorms, burglaries, vandalism, and even frozen pipes.

Systems Breakdown: Protects you when any mechanical, electrical, or pressure system breaks down. This includes heating and air conditioning systems, computers, boilers, refrigerators, hot water heaters, and telephone systems.

Crime: Covers you if an employee steals money, securities, or other property.

Key Employee Replacement:  Adds coverage for specified expenses incurred due to a sudden occurrence which results in the death or permanent disability of the Key Employee.

Communicable Disease and Food Contamination: Additional coverage that can be included when Business Income is purchased.

Commercial Property Plus Extension: Additional limits and extensions for coverages such as Accounts Receivable, Employee Dishonesty, Ordinance or Law, and Utility Services.

Accident Medical Insurance

Accident Medical insurance will pay students’ medical bills if they are injured at your school or during activities you sponsor and have no insurance of their own, or their bills exceed what their insurance pays. You can think of Accident Medical insurance as a goodwill gesture—by paying a student’s medical bills now, you may be able to avoid a lawsuit later.

Automobile Insurance

Markel’s automobile insurance provides complete liability and physical damage coverage for the owned, leased, non-owned, and hired automobiles (such as vans, pickups, and buses) used at your school. Limits up to $1 million available.

Please call us 888-712-7335 to discuss how we can tailor an insurance plan to work for your school.

Policy and terms are only briefly outlined. For complete details, refer to the policy.