Education

Our education clients have the elevated responsibility of protecting both physical and human capital.

Amsure can help you find smarter solutions to your critical issues, from managing rising operational costs, safety and security concerns, and new construction or expansion projects, to complying with NYS Education Law, implementing fleet safety programs, and disaster recovery. Our education clients include public school districts (K-12), private schools, and colleges.

Amsure, in conjunction with the insurance company that underwrites your firm’s insurance program, provides the following specialized risk management products and services to education clients:

  • Review of contracts with outside vendors (e.g., food service agreement)
  • Analysis of bid specifications
  • Review of insurance certificates from bidders and facility users
  • Collaboration with the construction manager/architect on capital project specifications
  • Construction contract review (new construction/renovations)
  • Sample risk transfer language and advice
  • Loss control inspections (e.g., facilities, transportation, playground safety, athletic activities)
  • Sample policies and procedures manuals
  • Benchmarking studies/industry data
  • Claims analysis/advocacy
  • Property appraisal services
  • Driver and fleet safety checklists
  • Hazard identification checklists
  • Risk management seminars (including hot button topics/emerging issues)
  • Online catalogue of training and safety webinars
  • HR-related services including:
    • Reviewing and developing policies/procedures
    • Environmental, safety and OSHA compliance
    • Employee handbook assistance
  • 24-hour claim service

We provide the following insurance coverage to our education clients:

  • Blanket replacement cost on buildings and contents
  • Loss of Income and Extra Expense (up to 24 months)
  • Specialty Property (e.g., musical instruments, textbooks, computers)
  • Equipment Breakdown
  • Commercial General Liability
  • Abuse and Molestation coverage
  • Crisis Event coverage (e.g., active shooter)
  • Kidnap Expense coverage
  • Foreign Liability coverage
  • Educators Legal Liability/School Board Legal Liability
  • Law Enforcement and Security Officer coverage
  • Liability and defense for Individualized Education Program (IEP) related claims
  • Drone coverage
  • Umbrella/Excess Liability
  • Cyber Privacy and Security Breach (including data that’s housed off-site, e.g., with BOCES or a vendor)
  • Employment Practices Liability
  • Pollution Liability (including above- and below-ground storage tanks)
  • Student Accident insurance
  • Flood and Earthquake
  • Pesticide/Herbicide Applicator coverage
  • Professional Healthcare Services (e.g., school nurse)
  • Enhanced Crime and Identity Recovery coverage for specified positions (superintendent, treasurer, tax collector, business official, etc.)
  • PTA/PTO coverage
  • Automobile/fleet insurance
  • Replacement cost valuation on school buses (10 years old or newer)
  • Special Events and Fundraising coverage
  • Excess Workers Compensation (self-insurance) programs