REQUIRED INSURANCES
General Liability
Covers:
- Bodily injury
- Property damage
- Legal defense costs
- Hybrid center accidents
Coverage minimums must meet voucher program requirements.
Educators’ Legal Liability
Covers claims such as:
- Errors & omissions
- Failure to educate
- Discrimination
- Professional misconduct
Cyber Liability Insurance
Required to protect against:
- Data breaches
- Ransomware
- Digital extortion
- Loss of digital records
- Notification requirements
- Cyber recovery costs
Workers’ Compensation
Covers:
- Staff injuries
- Hybrid site incidents
- Remote work injuries (when allowable under state law)
Directors & Officers (D&O)
Protects:
- Board of Directors
- Executive leadership
- Key policy decision makers
Property Insurance
Covers hybrid center:
- Equipment
- Technology
- Furniture
- Leasehold improvements
- Damage to facilities
Abuse & Molestation Coverage
Required to protect students and staff.
Covers:
- Misconduct claims
- Associated legal defense
- Related legal matters
Supported through mandatory staff background checks.