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Coverage Details
Coverage Summary
General Liability
- Occurrence form
- Personal injury/property damage
- Bodily injury
- Commercial general liability
- Garage liability
- Advertising liability
- Teachers liability
- Contractual liability
- Errors & omissions (school board liability)
- Employees, board members, volunteers as insureds
- Employment related claims
- Discrimination
- Sexual abuse
- Corporal punishment
- Students included as insureds for school-to-work programs
- Liquor liability
- Parent-teacher organizations, booster clubs and foundations as additional insureds, when operating under the jurisdiction and control of the district
- Professional liability for nurses, speech therapists
- Medical expense for guests-$5,000 sublimit
- Accidental pollution-$100,000 sublimit
- BOLI defense-$50,000
- Non-monetary relief defense-$25,000
- IDEA hearings defense-$25,000
- Fair dismissal hearings defense-$25,000
- Mold and mildew defense-$100,000
- Terrorism-$500,000
- EEOC defense-$25,000
- GSPC ethics violation defense-$5,000 per individual/$25,000 per year
Crime
- Public employees’ dishonesty coverage (Depositor’s, forgery)–limits: $25,000 to $1,000,000 aggregate
- Money and securities coverage–$50,000 limit available
- Blanket coverage for directors, employees and volunteers
- Treasurer and tax collector coverage
- Eliminates need to individually bond employees
Automobile Liability
- Personal injury/property damage
- UM-BI - Uninsured motorist/bodily injury
- UM-PD (optional) - Uninsured motorist/property damage
- PIP - Personal injury protection
- Medical
- Physical damage
- Hired auto physical damage (optional)
- Volunteer/employee deductible reimbursement
- Replacement cost on buses - 10 years or newer
- Medical payments for school bus passengers-$5,000 per passenger limit
Property
- All risk
- Earthquake & flood-$5,000,000
- Replacement cost
- Extra expense-$5,000,000
- Business income-$5,000,000
- Property of students/teachers-$250,000
- Accounts receivable-$500,000
- Transit-$500,000
- Inland marine (optional)
- Valuable papers-$500,000
- Newly acquired-$5,000,000/60-day reporting
- Course of construction-$5,000,000
Boiler & Machinery
- Broad form
- $50,000,000 limit
- BI/EE (Business income/extra expense)-$5,000,000
- Demo/ICC (Demolition/Increased cost of construction)-$5,000,000
- Boilers, electrical equipment
- Joint loss agreement
- Perishable foods-$1,000,000
This is a summary; for specific sublimits, terms and conditions, contact PACE.