Schools May Get Sued Over COVID-19. 7 Things to Know About Managing That Risk
September 9, 2020
As school begins in earnest, districts are struggling to get their arms around an elusive but potentially costly challenge: risk management in the age of coronavirus.
Most if not all districts buy general liability insurance, either self-insurance through a traditional insurance company, or through a pooled plan open-managed by representatives of participating districts.
Even before COVID-19, some of these liability policies excluded communicable diseases from coverages. In other cases, insurers have notified districts just in the past few months that they will not cover claims stemming from the pandemic—sometimes because they too could not secure reinsurance to cover potential claims.