Insurance Program Results
Educators Legal Liability Under the Gun
Expect changes in underwriting for educators legal liability this year after the emergence of a slew of new exposures last year. Carriers are still determining how to face some of these risks as cases persist in the court system. The increase in school violence last year led a handful of carriers to step away from schools in Kansas in light of a new law that allows teachers to carry firearms on campus. Other carriers are working on how underwriting might handle the repercussions of increased violence. EMC Insurance previously covered almost 90 percent of the Kansas school districts before it pulled out, citing underwriting guidelines that state any on-site armed security should be provided by uniformed, qualified law enforcement officials. Continental Western and Wright Specialty, which wrote the other 10 percent of school districts, dropped accounts as well.
Copyright © Crittenden Research Inc., February 17, 2014
Educational Institutions
Administered By: Apex Insurance Services
Distribution: Program Administrator
| Industries: |
Colleges & Universities, Educational Risks (School Administrators), Private/Charter Schools, School Districts, Schools, Schools (Vocational) |
|---|
Carriers: WRM America Group
Coverage: Auto Liability , Auto Physical Damage, Crime, Employment Practices Liability (EPL), Equipment Breakdown, Excess, General Liability, Inland Marine, Law Enforcement Liability, Property, Workers' Compensation
Limits: Call for - Limits
Employment Practices Liability
Administered By: Kinsale Insurance
Distribution: Carrier Direct
| Industries: |
Accountants & Accounting Services, Architects & Engineers (A&E), Art Galleries/Fine Art/Museums/Antique Dealers, Auto Service and Repair, Auto/Car Dealerships, Aviation Risks & Airports, Banks, Brokers/Dealers, Camps (Youth, Sports & Enrichment), Chemical Manufacturers/Distributors, Commercial Auto (Public Transportation), Construction Equipment/Machinery/Materials, Educational Risks (School Administrators), Energy Companies, Film Risks, Gas Stations, Hospitality (Hotels/Motels), Insurance Agents, Insurance Companies, Investment Advisers, Lawyers, Logging/Lumber/Forestry Risks, Manufacturers (Hardware), Manufacturers/Manufacturing Risks, Mine/Mining Risks, Miscellaneous Risks, Museums, Nonprofit Organizations, Real Estate Agent/Broker, Research/Research Organizations (Clinical, Etc.), Restaurants, Retail, Social Services, Utility Companies |
|---|
Carriers: Kinsale Insurance Co.
Coverage: Bodily/Personal Injury, Employment Practices Liability (EPL)
Limits: up to $5 million/$5 million (Primary Limits)
NetGuard™ Plus
Administered By: NAS Insurance Services
Distribution: MGA
| Industries: |
Auto/Car Dealerships, Education & Nonprofit, Educational Risks (School Administrators), Financial Institutions, Hospitals, Insurance Agents, Municipalities/Government Bodies, Physician Groups, Physicians, Retail, Schools, Small Businesses, Staffing Agencies, Utility Companies |
|---|
Carriers: Lloyd's of London
Coverage: Crime, Cyber Liability, Data Security, Network Security Liability, Privacy Liability/Notification Expense, Reputational Risk
Limits: up to $25 million
Elite Comp
Administered By: B and B Programs
Distribution: Program Administrator
| Industries: |
Accountants & Accounting Services, Architects & Engineers (A&E), Educational Risks (School Administrators), Financial Institutions, Hospitality (Hotels/Motels), Lawyers, Physician Groups, Physicians, Workers Compensation |
|---|
Carriers: Nova Casualty
Coverage: Employment Practices Liability (EPL), Excess, Umbrella/Excess, Workers' Compensation
Limits: up to and over - $25 Million (Property coverage), up to - $10 Million (Excess limits "We can place coverage as high as a client would like to pay".), up to - $1 Million (Primary limits)
Public Entities
Administered By: Victor O. Schinnerer
Distribution: MGU
| Industries: |
Colleges & Universities, Educational Risks (School Administrators), Municipal/Public Pools, Municipalities/Government Bodies, Political Risk (Terrorism/War/General), Schools |
|---|
Carriers: CNA Insurance Cos
Coverage: Accident & Health, Accidental Contamination, Accidental Death & Dismemberment, Environmental/Pollution Liability, Errors & Omissions (E&O), Professional Liability, Public Officials Liability, School Leaders Legal Liability
Limits: up to $10 million
Educators Professional Choice
Administered By: The Hartford
Distribution: Direct/Broker
| Industries: |
Colleges & Universities, Educational Risks (School Administrators), Private/Charter Schools |
|---|
Carriers: The Hartford
Coverage: Directors & Officers (D&O), Employment Practices Liability (EPL), Errors & Omissions (E&O), Third-Party Liability
Limits: up to $15 million (Umbrella), up to $10 million (E&O), up to $1 million (Combined per Claim), up to $5 million (per Coverage Part)