Products

PropertyCoverage

Coverage

Limits of Liability

Real and Personal Property (Per Occurrence Pool Loss Limit)

$500,000,000

Earthquake

$100,000,000

Flood

$100,000,000

Newly Acquired Property

$5,000,000

Extra Expense

$1,000,000

COVERAGE:

Real and Personal Property, Business Income, Extra Expenses, Valuable Papers, Accounts Receivables, Mobile Equipment, Electronic Data Processing Equipment and Media, Fine Art and Miscellaneous Property.

PERILS:

Special Perils (subject to standard policy exclusions)

DEDUCTIBLE:

Various with a minimum of $1,000

General Liability Coverage

Coverage

Limits of Liability

Limit of Liability - Bodily Injury & Property Damage

$1,000,000 (Each Occurrence)

General Aggregate

$2,000,000 (Aggregate Per Member)

Products/Complete Operations

$1,000,000 (Aggregate Per Member)

Premises Medical Payments

$5,000 (Per Person)

Coverage Includes: Premises Operations, Products & Completed Operations, Independent Contractors, and Employee Benefits Liability.

Also Included: Limited Worldwide Products Liability, Broad Form Contractual Liability, Personal Injury, Broad Form Property Damage, Host Liquor Liability, Employees and Volunteers as Insureds, Incidental Malpractice, Auto Liability and Athletic Participation Liability.

Auto/Bus Coverage

Coverage

Limits of Liability

Limit of Liability - Bodily Injury & Property Damage

$1,000,000 (Each Occurrence)

Uninsured/Underinsured Motorist

$1,000,000 (Each Occurrence)

Medical Payments
Comp/Collision

$5,000 (Per Person)
Deductibles Vary, $500 minimum

Crime Coverage

Coverage

Limit

Deductible

Commercial Blanket Bond (Employee Dishonesty)

$500,000

$1,000

Money & Securities (Inside & Outside)

$500,000

$1,000

Forgery & Alteration

$500,000

$1,000

NOTE: Employee Dishonesty coverage includes the superintendents, board members, business managers and all employees.

Boiler & Machinery Coverage

Western States Insurance chose Travelers to cover boiler and machinery damages for the Property/Liability Program. Travelers is one of the top boiler and machinery underwriters in the country. Their staff is among the most proficient loss control consultants in the world. Many of them are degreed engineers and all are certified by the National Board of Boiler and Pressure Vessel Inspectors.

Limit (Each District):

 $100,000,000

   

Sublimits:

Expediting Expenses

$1,000,000

Business Interruption
Water Damage

$1,000,000
$1,000,000

Extra Expense

$1,000,000

Spoilage

$1,000,000

Service Interruption

$1,000,000

Ordinance or Law

$1,000,000

Electronic Data

$1,000,000

Hazardous Substance

$1,000,000

Refrigerant Contamination

$1,000,000

Deductible

$1,000


Educators Legal Liability Coverage (E & O)

Limits: $1,000,000 Each Claim/Annual Aggregate per Member
Deductible/Retention: Various with a minimum of $1,000
Terms/Conditions: Claims Made Form

Policy Coverage’s

Prior acts:

Full Prior Acts coverage for any claims not known at inception.

Definition of Insured:

Covers all employees, volunteers, teachers, administrators, school board members, etc. Covers heirs of estates, past, present and future insured.

Non-Monetary Claims:

Automatically includes $100,000 per district for defense of claims.


Excess Liability Coverage

Optional Limits:                     

  • $1,000,000
  • $2,000,000
  • $3,000,000
  • $4,000,000
  • $5,000,000
  • $9,000,000
 

 

 

COVERAGE:                                                      

The limit selected extends over each liability coverage for Third Party and Educators Legal Liability.

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