Today’s schools are faced with an increasing number of lawsuits based on issues such as dress codes, special education, sexual discrimination and failure to educate. A broad spectrum of insurance coverage is essential to protect the educational entity, its employees and even its volunteers. Employment Practices claims are the most frequent type of lawsuit brought against school board officials today. Terminations, hiring and promotions comprise almost half of the claims made. Student suspension/expulsion, discrimination and integration cases are brought against school officials at an alarming rate.
This protection is needed by any municipal governmental entity including, but not limited to, cities, towns, townships, boroughs, villages, authorities, special service districts and commissions. All persons who were, now are, or shall be lawfully appointed officials of the public entity, should have this coverage. Also at risk are members of commissions, boards or other units operating by and under the jurisdiction of the public entity and all employees and volunteers of such public entities.
Why do I need this policy when the city or county I work for already has a general liability policy? Police officers and their departments can face claims of negligence, failure to protect, false arrests or civil rights violations. These suits can lead to costly litigation for law enforcement professionals and the communities they serve. Police Professional Insurance through PGU can help mitigate financial loss so your police department can continue to protect you and your fellow citizens. Our policy ensures coverage for acts, errors, and omissions which occur while officers perform their professional duties.The balance of rights between the lawbreaker and the law has changed. Courts have made it easier for criminals and suspects to bring suits against law enforcement and criminal justice personnel. Awards have skyrocketed and the courts have recognized extended liability of the defendants’ superiors, including the mayor, municipal manager and executives.
The intention is to provide your clients with a product that provides unique / bespoke, primary coverage for an active shooter event and a pro-active product that provides leading risk management services and a partner to help an education provider through such a terrible event. Please note that the intention of the risk management provision is to provide a complementary review of how the respective education provider is currently handling this exposure, it is neither a critique nor a criticism but simply a separate independent review in order to provide some suggestions and betterment of their current protocols. Minimizing the exposure is what our event responder team‘s objective is.