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Insurance 101

People shaking hands in a business meeting

Your guide to meaningful coverage

You have enough to juggle day-to-day, and while keeping up with insurance industry lingo shouldn’t have to be a priority, it's important to understand when shopping for coverage. That's why we've compiled a list of commonly asked questions to help you understand your options and make the right decisions for your organization.

What is . . .

  • Abuse & Molestation Liability?

    This coverage is intended to help organizations financially respond to allegations of sexual abuse. Unless an insurance policy specifically mentions this product, it’s not safe to assume it’s included under general liability—so be sure to ask your agent about it.

  • Agreed Amount?

    If an insurance policy mentions “agreed value”, you and your insurer will “agree upon” the value of certain items in your facility. If these items require replacement under the conditions of the policy, you will be given that amount to help make your organization whole again.

  • Blanket Insurance?

    When there is more than one type of property at the same location or the same kind of property at multiple locations, some insurers will offer “blanket” coverage to cover them all.

  • Crime Coverage?

    Crime coverage helps protect against various types of crimes. Each policy is different and you should ask what types of crimes yours specifically protects against. Some key coverages to consider includes employee theft, robbery and computer fraud.

  • Cyber Liability?

    This type of coverage or endorsement provides liability coverage for cyber-related incidents including Ransomware (when a cybercriminal threatens a victim and demands payment) or Privacy Crisis Management Expense (which addresses costs incurred from data breaches).

  • Educators' Legal Liability / School Board Legal Liability?

    This coverage helps protect board members, teachers and staff in the event of wrongful acts claims.

  • Excess Liability?

    Excess refers to higher coverage limits that can be purchased to help protect your organization.

  • General Liability?

    General liability, also referred to as GL, can cover a wide variety of exposures—and it’s important to know which coverages are included in your policy.

  • Hired & Non-Owned Auto Insurance?

    This covers liability expenses resulting from accidents that involve rental or employee-owned vehicles being used for business purposes.

  • Law Enforcement Activity Liability?

    This coverage helps protect law enforcement and security personnel and their actions while working to protect your organization and/or citizens.

  • Professional Healthcare Liability?

    Professional healthcare liability helps protect against claims of negligence arising out of emergency services. This includes firefighting, emergency medical services and rescue squads.

  • Property Coverage?

    In the “insurance world,” entities have two primary types of property—Real Property and Personal Property. Typically, Real Property includes foundations and fixtures. Fixtures can include handrails and exterior signs. Personal Property refers to computer equipment, communication systems and recreational room property.

    Property Insurance can cover a wide variety of perils such as weather-related damage, equipment breakdown, food contamination, fine arts, trees and sewer water backup. It’s important to see what your policy includes and understand whether or not it’s tailored to the needs of your organization.

  • Public Officials and Management Liability?

    Employment-related lawsuits, including allegations of discrimination and wrongful termination are becoming increasingly common. This coverage helps cover the costs of claims arising from situations like these.

  • Replacement Cost?

    Replacement cost provides you with the amount of money that it will take to repair or replace items as outlined by a policy.

  • School Violent Acts Coverage?

    If an educational institution were to be violently attacked, this coverage is designed to alleviate some of the financial costs associated with the tragic event, including crisis communication management.

  • Workers’ Compensation?

    Common risks—like slips and falls—can be costly to public entities and their employees. Workers’ Compensation helps provide benefits to employees who are injured on the job.