Liability Coverage
General Liability provides coverage in defense of claims or lawsuits brought against you due to bodily injury or property damage for which you are legally liable. This coverage applies when someone other than an employee is injured on your property, or off your property if the injury is allegedly caused by you. Typical types of General Liability claims include someone slipping and falling on your premises or a tree on your property falling onto a neighbor’s residence.
Our liability program provides protection to respond to claims and lawsuits against our insured locations. The protection has no deductible and, in addition to covering the cost of settlement or judgment, includes coverage for the expenses associated with investigating and defending the claims or litigation. These expenses may include legal fees, expert consulting and testimony, engineering or medical experts and other expenses related to the claim.
The basic liability program includes such additional protections as:
- Crisis Management and Communications Support
- Auto Liability (In addition to the primary auto liability coverage noted later)
- Directors and Officers coverage
- Professional Liability
- Sexual Misconduct Liability coverage
- Employment Practices Liability
- School Board Legal Liability
- Innocent Person Defense Cost Reimbursement
- Additional levels of protection for some of these lines of coverage are available under the “stand-alone” policies.
Liability Rates
Institutional liability rates are based upon the unique operations and statistics of each institution.
For a formal quote of contribution cost, please fill out the New Member Participation Form.
Report a Claim
In the event of an incident, the following should be done:
- See that medical assistance is provided immediately.
- Obtain the name and address/telephone number of injured person(s).
- Make note of what occurred, as well as the specific injuries.
- Obtain names of any witnesses.
- Obtain photographs of the accident site.
In the event of a lawsuit, the following should be done:
- Immediately notify the Claims Manager and General Counsel.
- Time sensitive – Fax/Email/Mail a copy of complaint and retain copy for your records.
You may be asked to fill out one or more of the following forms:
General Liability Accident Report
There is no deductible on General Liability claims.
These claims should be immediately reported to the Claims Manager.
Volunteer Accident Claims and Scheduled Property Claims
Report these claims immediately to the Claims Manager.