School Program

INSPIRED
School Program Overview

Our goal, quite frankly, is to provide the best school insurance products, services and support in the industry. It’s more than just products, it’s also our people. It’s about our mission to help people live safer, more secure lives and our responsibility to do the right thing – even when no one is looking. That’s where I makes the difference.

The I difference defines who we are, what we do, and the responsibility we have to make a real difference in the communities in which we live and the nine state Midwestern commercial marketplace we serve.

The companies of Indiana Insurance™ write commercial property and casualty insurance exclusively. Headquartered in suburban Milwaukee, Wisconsin, we have been protecting businesses and organizations since 1851. Through these many years, we have partnered with our communities, employees, and professional independent agents to serve the needs of our policyholders.

Public or private, our school expertise, supported locally by the best independent agencies in the business, spans more than 30-years. Helping to make schools safer, more secure places to learn and grow is an important endeavor and a responsibility we take seriously.

As the educational environment evolves, we’re continually seeking to provide coverages and services that anticipate the needs and exceed the expectations of our school customers. Just as schools tailor curricula to meet the educational needs of students, we offer a full range of services and optional coverages that allow for tailored insurance programs for schools.

Indiana Insurance is part of Liberty Mutual Group. Liberty Mutual ranks 86th on the Fortune 500 list of largest U.S. Corporations and is the fifth largest U.S. property and casualty insurer based on 2008 revenues and direct written premium. The company has financial strength ratings of “Excellent” (A) from A.M. Best Company, “Good” (A2) from Moody’s Investor Service, and “Strong” (A-) from Standard & Poor's.

In addition to this tremendous financial strength and security, Liberty Mutual Group and Indiana Insurance are well known and respected as being leaders in school Loss Prevention products, services, and expertise.

We are Indiana Insurance – Where I makes the difference

Indiana Insurance School Coverages

Indiana Insurance school policies include many important additional coverages not found in standard insurance policies. We offer a full range of coverage options that allow you to build upon the strength of our base coverages to tailor your insurance coverage to meet your specific needs.

  • Property Coverage – For Buildings and Business Personal Property
    • Property Extension Ultra Plus Endorsement
    • Earthquake
    • Flood
    • Equipment Breakdown
    • Inland Marine
    • Miscellaneous School Property Floater
  • Liability Coverage – For Bodily Injury, Personal Injury, Advertising Injury, Property Damage & Medical Payments
    • School General Liability Enhancement
    • Employee Benefits Liability
    • School Leaders Errors and Omissions – Educators Legal Liability
    • Sexual Misconduct & Molestation
    • Law Enforcement Professional Liability
    • Commercial Umbrella Liability
  • Violent Event Response Coverage
  • Crime Coverage
  • Automobile Coverage
    • School Auto Enhancement
  • Workers’ Compensation Coverage

Services for school customers of Indiana Insurance

Safety Advantage Network™

Indiana Insurance has assembled a team of industry professionals who provide some of the best school products, advice, and safety solutions available in  the market. Indiana Insurance policyholders are entitled to receive access to businesses that specialize in addressing some of the most pressing safety concerns facing schools today, including:

  • Sexual molestation awareness and prevention
  • Background checks for school employees
  • Violence prevention
  • Workplace safety training
  • Shop equipment safety
  • Bleacher inspections, repairs & sales

Claim Services

The moment of truth arrives when you need us the most – when a loss occurs. Working with our independent agency partners, our goal is to provide industry leading claims service to every school we insure. No one wants a loss to occur, but when one does, it is important to understand the guiding principles that form the foundation for our claim processes and procedures.

Our guiding principles emphasize the efficient routing of claims to the most appropriate claim professional, minimizing the use of outside vendors, and
maintaining stringent standards for timely service, accuracy, and customer satisfaction. These philosophies allow us to get each claim to the right person as
quickly as possible. Our goal is to manage less severe claims quickly, and focus critically important resources on more complex or catastrophic claims.

We develop, design and implement claim programs that respond to the ever changing needs of our school customers. Each approach is designed with a single goal in mind: to exceed your service expectations by delivering on our commitment to provide fair, proactive and empathetic claims service should a loss occur.

To ensure prompt and efficient attention to each claim, we have established the Indiana Insurance ANYTIME Claim Service™ (ANYTIME) for the initial reporting of all claims. One call to 1-800-279-7221 is all that is needed to begin the claims process. ANYTIME is staffed 24-hours a day – 7 days a week – 365 days a year. This first point of contact has been established for both agents and policyholders to
help to ensure each claim starts off right.

Specialized Legal Services for Schools

In addition to our team of specialists available to handle losses to school buildings, buses, or injuries to faculty and staff members, Indiana Insurance utilizes a select panel of attorneys in your state to act as “school counsel”. Panel members are experts in school liability issues and are knowledgeable about local
codes and practices.

Loss Prevention – Safer Schools Services

Performing once a claim occurs is one thing, but working with you to help prevent a claim is quite another. We can’t make schools resistant to mishaps or catastrophes, but working with your local independent agent, we can assist in identifying potential dangers to help you avoid, or at least minimize your potential for loss.

Loss Prevention serves a vital role in our operation. Our highly trained Safer School Consultants provide specialized consultative services. These services are designed to assist school administrators, faculty and staff members in identifying and controlling day-to-day safety and security exposures.

Our consultants are located throughout our operating territory and are all specially trained to address the unique needs of our school customers. Staff members hold multiple certifications including Certified School Risk Manager, Certified Safety Professional, Certified Fire Protection Specialist, Associate in Loss Control Management, and others. Consultants have access to advanced service tools for worker safety, auto loss prevention, and a number of school specific services like our “Practical Safety & Security for Schools” series, our on-site assessments, and training programs.

Loss Prevention Site Assessment Services

  • Multi-Hazard Site Assessment™ – (A general assessment of building safety)
  • Playground Risk Assessment
  • Science Laboratory Risk Assessment
  • Vocational Shop Risk Assessment
  • Bleacher & Athletic Facilities Risk Assessment
  • Other assessments as needed

Loss Prevention Training Services & Programs

  • Improving School Safety & Security Without Busting the Budget
  • Prevention & Mitigation of Sexual Misconduct and Abuse
  • School Bus Driver Threat Assessment
  • Decision Driving™ for School Bus Drivers
  • Lifting & Material Handling Safety for Custodians and Maintenance Staff
  • Accident Investigation and Follow Up
  • Teacher Classroom Safety – The First Line of Defense
  • Controlling Workers’ Compensation Costs – Return To Work Programs
  • Controlling Slips, Trips and Falls
  • Playground Safety and CPSC Publication 325
  • Summit Web Training – Through our partnership with Summit Training, we are pleased to offer our school customers free on-line training in over 100 worker safety topics. These programs allow schools to target training where it’s needed and when it’s convenient for employees and administrators. Many of these courses qualify for OSHA required training and refresher courses. Sample on-line training topics include:
    • Hand & Power Tools
    • Hazard Communications
    • Blood Borne Pathogens
    • Fire Safety
    • Back Safety
    • Compressed Gas Cylinders
    • Forklift Safety
    • Lockout Tagout
    • Asbestos Awareness
    • Hot Work (welding & cutting)

These are just a small sampling of the training services and programs offered by Indiana Insurance. In addition to these programs, we routinely hold Safer School Seminars throughout our operating territory. Past seminars have featured presentations on employment practices liability, school violence prevention,
bullying, disaster planning, facility use agreements, and return to work programs.

School Newsletters are a great way to highlight the impact of breaking news headlines and current events that often impact school operations and safety. Indiana Insurance produces regular School Newsletters to provide information and guidance on topical issues.


Eligibility Guidelines

In addition to what we commonly think of as schools, there are other operations that may be referred to as schools or may include the word “school” in their name. Some are acceptable, others are not. This guide will help in determining eligibility for our programs.

Generally Eligible for Our Programs:

  • Public Schools – Kindergarten through high school
  • Private Schools – Kindergarten through high school
  • Montessori Schools – Kindergarten through high school
  • Charter Schools – Kindergarten through high school with experienced management, policies and procedures similar to public schools and three or more years in operation
  • Church Schools – Kindergarten through high school with an established academic curriculum
  • Colleges and Universities – Small, public or private colleges or universities without student housing
  • Junior Colleges – Public or private junior colleges without student housing
  • Trade or Vocational Schools – Some curriculum restrictions apply
  • PTA’s/PTO’s/Booster Clubs/Parent Organizations – Designed primarily to support school functions and raise funds
  • School Building Corporations
  • Summer Athletic or Recreational Programs/Camps/Clinics – Offered by individual coaches who are regular school employees using school property, provided we write the school district. Bodily injury and medical payments coverages for athletic
    participants are excluded.

Generally Not Eligible in Our Programs:

  • Day Care Operations – Including those with a minor “curriculum”
  • Habitational Exposures – Dormitories, apartments, etc
  • Before & After School Programs – Separate entities essentially providing day care and not part of a school district
  • Boarding or Rooming Houses – For children and with incidental class structure
  • Fraternal Organizations – Fraternity and sorority houses, or similar organizations
  • County/Township/Municipality Organized Amateur Athletic Programs – Not directly associated with or sponsored by school district and/or conducted by individuals not employed by school
  • Social Service – County/Township/Municipality
  • Big Brothers/Big Sisters – And similar programs
  • Apprenticeship Trade Programs – Often operated by trade union (carpentry, plumbing, etc.)
  • Commercial Driver Training Entities
  • Commercial Consultants – Business training programs

To find out more about our school products and services, please contact your independent agent or visit our Web Site: theIdifference.com/schools

The descriptions of programs and coverages listed here are necessarily brief and are subject to the provisions, limitations, and exclusions that can only be expressed in the policy and related endorsements. The actual terms and conditions of your policies determine coverage and limits afforded as well as which deductible may apply. Coverages may vary by state. Some services are limited based on coverages in force, account size and complexity, staff resources, and schedule availability. Please contact Indiana Insurance for complete details on service options and scheduling.

 

Indiana Insurance member underwriting companies: (Not all companies may be licensed in all states.) American Economy Insurance Company, American States Insurance Company, American Fire and Casualty Company, American States Preferred Insurance Company, Consolidated Insurance Company, First National Insurance Company of America, General Insurance Company of America, Hawkeye-Security Insurance Company, Indiana Insurance Company, The Midwestern Indemnity Company, The Netherlands Insurance Company, The Ohio Casualty Insurance Company, Ohio Security Insurance Company, Peerless Indemnity Insurance Company, Peerless Insurance Company, Safeco Insurance Company of America, Safeco Insurance Company of Illinois, Safeco Insurance Company of Indiana, Safeco National Insurance Company, and West American Insurance Company.