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Get DirectionsSchools in Green Valley operate school buses, employ multiple teachers and other workers and open their doors to countless children and parents on a daily basis. Although all of these activities are required for successful operation, they also open the doors for potential liability issues. Thus, like any other business, a school needs commercial insurance policies.
For schools, several types of commercial insurance are available: commercial property insurance, commercial vehicle insurance, commercial general liability insurance and workers compensation insurance.
Commercial Property Insurance
School buildings are large and expensive to construct. When they become damaged, the cost of repairs can be significant. Commercial property insurance protects the school’s structure and grounds. When damage occurs, the policy will help the school pay for the necessary work.
Commercial Vehicle Insurance
Commercial vehicle insurance protects the buses and any other vehicles a school operates. The policy may cover the cost of vehicular repair in the case of an accident, and it may also provide compensation for injured parties.
General Liability Insurance
If a parent, child, employee or visitor is injured at the school or because of school activities, a general liability policy will help the school pay for any lawsuits that arise. Covered expenses include medical costs, attorney fees and other damages related to the incident.
Workers Compensation Insurance
The state of Arizona requires schools to carry a workers compensation insurance policy. Workers compensation insurance provides protection for the school when an employee is injured on the job. If an employee is injured, the policy will cover medical bills, rehabilitation, lost wages and more.
If you’re in the market for commercial insurance coverage, consult with us. An independent agent will provide you with the undivided attention you need to choose the policies that are best for your school.