Errors & Omissions/General Liability Fund

The majority of North Carolina school districts are members of NCSBT’s Errors & Omissions/General Liability Fund.  This fund provides the risk management protection members need when confronted with lawsuits 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 or student rights.  General Liability provides coverage for bodily injury 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 for free to members.


  • Liability coverage tailored exclusively 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
  • Coverage for cyber liability
  • Optional law enforcement liability coverage
  • 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


*Coverage provided through the NCSBT Funds does not duplicate any state-funded liability coverage for North Carolina public school employees.


Risk Management
Richard Bostic Assistant Director of Governmental Relations 919.747.6677
Sam Thorp Staff Attorney 919.747.6706
Tanya Giovanni Staff Attorney 919.747.6701
Chelsea Sutton Legal/Policy Assistant 919.747.6713
Donna Lynch Litigation Counsel 919.747.6685
David Byrd Claims and Risk Services Consultant 919.747.6683
David Palo Data Analyst 919.747.6687
Carlisha Parker Claims Adjuster 919.747.6682
Melody Coons Litigation Assistant 919.747.6684
Lee Adams Claims Assistant 919.747.6707
Helen Gelb Claims Assistant 919.747.6712
Rachel Vachon Legal/Policy Assistant 919.747.6694
Debbie Shinbara Legal Assistant 919.747.6698
McKenna Osborn Policy Consultant 919.357.6277
Jim O’Rourke Staff Attorney 919.747.6711
Cynthia Moore Policy/Editorial Assistant 919.747.6696
Scott Murray Staff Attorney 919.747.6708
Nancy Black Staff Attorney 919.747.6693
Kathy Boyd Senior Staff Attorney 919.747.6695
Janine Murphy Assistant Legal Counsel 919.747.6699
Allison Schafer Director of Policy/Legal Counsel 919.747.6700
Sean Holmes Governmental Relations Research Specialist 919.747.6688
Bruce Mildwurf Associate Director 919.747.6692
Leanne Winner Director 919.747.6686
Sherry Cariss Accounting Technician 919.747.6689
Chadae Lewis Membership Services Assistant 919.747.6675
Angela Dillingham Information Specialist 919.747.6678
Dana Roberts Director of Finance 919.747.6690
Ramona Miller Board Development & Technology Manager 919.747.6676
Patsy Clack Executive Assistant 919.747.6680
Ed Dunlap, Jr. Executive Director 919.747.6679
Christine Scheef Assistant Litigation Counsel 919.747.6681