Uncharted Waters: Navigating Insurance as a Charter School

This presentation outlines key insurance requirements and risk management strategies tailored specifically for charter schools. It highlights how coverage mandates vary significantly by school district and addresses common roadblocks such as managing problematic coverages and determining proper policy limits. Additionally, the session offers guidance on timing coverage needs—from initial charter approval through construction and full operation—while emphasizing budgeting for growth, managing triple net leases, and implementing layered risk transfer techniques like hold harmless clauses and additional insured status.