Errors & Omissions/General Liability Fund

As members of NCSBT’s Errors & Omissions/General Liability Fund, the majority of North Carolina school districts are provided the needed risk management protection in lawsuits filed against the school district, board of education or board of education members. Errors & Omissions coverage primarily provides coverage for liabilities arising out of alleged violations of employee rights or student rights; and general liability, simply stated, provides coverage for bodily injury and property damage liability arising out of the operation and maintenance of school premises and/or school programs.  This Fund automatically includes medical expense reimbursement coverage (“med-pay”) for students and school guests injured on school campuses.

Highlights

• Liability coverage tailored to the needs of North Carolina school districts
• Boards of education preserve their governmental immunity from suit, unlike when they purchase commercial insurance—a critical advantage given the prevalence of litigation against school districts
• $1 million limits of liability (higher limits of coverage are also available)
• Member districts have peace of mind that they will be defended by some of North Carolina’s top-rated education and defense lawyers with the expertise needed to handle the specific issues involved in school litigation
• Med-pay coverage extends to school guests AND students – includes coverage for student  athletic injuries
• Coverage for sexual acts and abuse liability
• UNLIMITED defense coverage for cases involving non-monetary claims (i.e. declaratory judgment, injunction, charter school funding cases), unlike insurance policies which may contain defense aggregates or sub-limits
• UNLIMITED defense coverage in contract dispute litigation, including costly construction contract disputes which are often excluded or limited by commercial insurance policies