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Our experienced staff is dedicated to underwriting and claim management for public K - 12 and charter schools.

The School Policy® is a Genesis insurance product developed specifically for K–12 public and charter schools. It is tailored to provide comprehensive coverage for risks faced by schools every day, and can be modified to meet your unique account exposures.

 Genesis seeks independent school districts, private K–12 schools, charter schools and school pools:

  • with a strong commitment to loss control
  • willing to retain a portion of the risk
  • that value superior financial security: AA+ by Standard & Poor’s and A++ by A.M. Best 


Coverage Part A: General Liability, Auto Liability, Employers Liability

  • SIR applies to for all coverages under Part A (Basket Retention) that apply to a single occurrence
  • Excess Auto Liability coverage for insureds who qualify for automobile self-insurance
  • Campus security activities
  • Non-Employment Harassment including sexual molestation on a per perpetrator basis
  • Advertising infringement of copyright, trademark, trade dress, service mark, or slogan
  • Garage Keepers Legal Liability coverage
  • Incidental Medical Malpractice (claims-made), including nurses, paramedics, EMTs, athletic trainers, and coaches
  • Punitive damages (where permitted by law)
  • Mutual aid
  • Liquor liability
  • Riot and civil commotion
  • Athletic participants
  • Fellow employee coverages (AL & GL)

Coverage Part B—Educators’ Legal Liability

  • Coverage provided on a claims-made basis
  • Employment-related practices including front and back pay
  • Employee harassment including sexual molestation
  • Employee benefits liability
  • Punitive damages (where permitted by law)





We offer one easy-to-follow policy and underwriters with proven expertise in working with public and private K–12 and charter school accounts.  

The Named Insured includes:

  • Employed, appointed and elected school officials
  • Current and former employees
  • Student body organizations
  • Students while acting as teaching assistants

Other Features:

  • Clear intent and simplified language
  • Limits apply separately to each coverage part
  • The right to choose your own defense counsel


Risk                          School Pool

Lines of Business    AL, GL, LEL, Prof

Limit                         50% quota share of $20M xs $10M

Feature                    Reinsurance participant in syndicated placement

Premium                  $163,000



Genesis has dedicated claim professionals with the skills and expertise to help resolve losses efficiently and issue claim payments promptly. We back our claim paying ability with superior financial security. 



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