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Florida School Insurance quote and information.

  1. How do insurance companies define School?
  2. What risk exposure do Schools have?
  3. What is the price of Schools insurance?
  4. Is insurance for Schools required in Florida?
  5. What coverages are common to Schools?
  6. Can you provide insurance anywhere in the state?

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How do insurance companies define School?

Private schools are normally sponsored by a specific organization, such as a church, or have a specific academic emphasis, such as college preparatory or military schools. Also the students must pay
tuition to attend. There may or may not be on-premises living facilities and dormitories.

What risk exposure do Schools have?

Property Exposure
Florida property exposure due to fire can be a concern from equipment, machinery, and wiring. If cooking is done on premises, this activity increases the potential for fire loss. Depending on the classes taught, each has potential for additional exposures, from cooking in home economics to wood and metal working in art classes. Chemistry classes and the resultant exposures to fire from chemicals are also a concern. Vandalism and malicious mischief, as well as theft of equipment are areas to evaluate.

Crime Exposure
Crime exposure is from Employee Dishonesty. Duties must be separated and books must be audited both internally
and externally. The external audits should be conducted at least annually. Inland Florida marine exposure includes Accounts Receivable, Computers and Valuable Papers (student records and library books). All must have duplicates made and those duplicates kept off premises. Fine arts are also very common on military campuses including painting, sculpture and antiques. Security should be appropriate for the value of the items. Contractors’ equipment coverage is needed for equipment used to maintain the buildings and campus area. Mobile equipment coverage is needed for items that are transported between classrooms and possibly off premises. Musical instrument coverage, using a Commercial Articles Floater, may be needed if the school owns instruments that are used off premises in performances.

Premises Liability
Premises liability exposures are significant especially if there are dormitories. Exits and egress must be controlled. Slip and falls must be controlled through housekeeping and attention to spills and potential problem areas. Athletics and special events need proper planning and control. If there are lodging and dormitory exposures, are there evacuation procedures? Are exits clearly marked and visible? Security must always be a high priority since the school has a responsibility for the safety of Florida teachers, staff, students, and visitors.

Additional items that need to be considered and evaluated for potential loss exposures, if they exist, are liability hazards such as sports, overseas semesters, medical facilities, research and development, and police staff. Liability
also comes from libel and slander from TV, radio broadcasting, or professor publications, including “research stealing and disputes,” as well as potential copyright or patent infringement. What special activities are there for summer and other times to encourage higher Florida enrollment?

Extra caution must be taken if the school has children under the age of 18. The younger the child, the more attention must be given to the house or dorm parents. Closer supervision must be provided. What is the ratio of adult to children? How are the age groups separated? What are the procedures in case of illness or other emergencies? Are there playground areas and how are those monitored? What about off-campus Florida activities? Are backgrounds verified and criminal checks made on all employees?

Abuse and Molestation
Abuse and molestation exposure must be considered when supervision of children is involved. There is never
coverage for the abuser. While there is some coverage for the institution where the abuse takes place in Florida, it is very restricted. More complete coverage should be purchased for the institution through specialized markets. The institution has a responsibility to take all care possible to protect students from predatory adults and older students through background checks, monitoring and supervision, and reporting all allegations of abuse to the proper
authorities. The more vulnerable the potential victim, the more vigilant the institution must be.

Professional Liability
Professional liability needs careful evaluation. Are there trained counselors on staff? Are nurses and doctors available? Is there an infirmary – is it outpatient only or is there in-patient care? What are arrangements with local hospitals and Florida doctors? Are there parent notification procedures?

Automobile Liability
Automobile liability is a major concern since the school regularly transports students. All drivers must have the appropriate license for the type of transports. MVRs must be checked regularly and be acceptable. There must be procedures in place regarding trips, length of travel, sleep time for Florida drivers and backup plans in case the driver becomes ill. All vehicles must be well maintained and records kept at a central location.

Workers Compensation
Workers compensation exposure is mainly a concern from exposure to equipment. Moving equipment can result in
strains and sprains in addition to the potential of items falling. Instructors also travel with students and often intervene to prevent them from getting injured. They are also subject to repetitive motion injuries and workstations should be ergonomically designed.

Want a Free Quote or have a Quick Question?

What is the price of School insurance?

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post the answer in one business day.

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Is insurance for Schools required in Florida?

We are sorry, we haven’t posted an answer to this question yet. Ask us now and we will respond and
post the answer in one business day.

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What other insurance should a Schools consider?

Building, Business Personal Property, Employee Dishonesty, Money and Securities, Accounts Receivable,
Computers, Contractors’ Equipment, Fine Arts, Mobile Equipment, Valuable Papers, General Liability, Employee
Benefits, Professional, Umbrella, Business Auto Liability and Physical Damage, Hired and Nonownership Auto,
Workers Compensation

Can you provide insurance across the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.

  • Jacksonville
  • Miami
  • Tampa
  • St. Petersburg
  • Orlando
  • Hialeah
  • Tallahassee
  • Fort Lauderdale
  • Port St. Lucie
  • Pembroke Pines
  • Cape Coral
  • Hollywood
  • Gainesville
  • Miramar
  • Coral Springs
  • Clearwater
  • Miami Gardens
  • Palm Bay
  • West Palm Beach
  • Pompano Beach