Unique Coverages

Auto Coverage Overview

Overview What does it cover? Districts that need this:
Our Auto Physical Damage and Liability Programs cover districts for autos used for district business. Liability for bodily injury and property damage to third parties and passengers Own vehicles that their employees use for work
  District Vehicles: Damage to the vehicle if scheduled Rent vehicles that their employees or board members use for work
Rented Vehicles: Damage to the vehicle and loss of use Allow employees to use their personal vehicles for work
Employees’ Vehicles: Repays the physical damage deductible of their personal auto insurance
Loss Scenario What does it cover:
A district employee accidentally backs the district’s truck into another vehicle. Costs to repair the third party’s damaged vehicle
If scheduled, costs to repair the district’s vehicle
A district employee rear-ends a truck while driving their own vehicle for district business Repays the employee’s auto physical damage insurance deductible, or if they have no coverage, pays up to a set amount

Pollution Liability Coverage Overview

Overview What does it cover? Districts that need this:
Our Pollution Liability Program covers newly discovered pollution coming from covered facilities that affect first or third party property. Mitigation of the source of the pollutant All districts with covered property
Clean up of the polluted material
Cost of legal defense
Loss Scenario What does it cover:
Herbicide leaks and discharges chemical onto district property and that of a neighboring business. Clean up of the district property and the neighboring business’ property
Damage to the neighboring business property
Legal costs and fees

Crime Coverage Overview

Overview What does it cover? Districts that need this:
Our Crime Coverage Program fulfills the state’s requirement for bonds by covering the actions or inactions of district officials. Costs associated with the harmful actions of an employee or board member (fraud, embezzlement, etc.) All districts
Loss Scenario What does it cover:
An employee transfers funds at the request of someone posing as a board member. The lost funds up to the scheduled limit or $250,000
A manager embezzles money from the district for years, covering their tracks until the amounts became impossible to conceal. The lost funds up to the scheduled limit

Volunteer Accident Coverage Overview

Overview What does it cover? Districts that need this:
Our Volunteer Accident coverage covers community volunteers who are injured while performing their supervised and assigned volunteer activities Limited medical benefits for injuries suffered during member-sponsored volunteer activities All districts with community volunteers (except firefighters)
Loss Scenario What does it cover:
The golf course’s volunteer marshal was hit by an errant golf ball and had to go to urgent care for stitches. Up to $25,000 in the volunteer’s out-of-pocket medical expenses (after whatever is covered by their personal medical insurance)
A district sponsors a community improvement day and a registered volunteer sprains their wrist while digging up weeds. Up to $25,000 in the volunteer’s out-of-pocket medical expenses (after whatever is covered by their personal medical insurance)