Schools K-12

Genesis has supported the public sector with insurance and reinsurance products for the past 30 years. Our experienced staff is dedicated to underwriting and claim management for public and private K – 12 and charter schools. We have tailored The School Policy® to provide comprehensive coverage for the risks faced every day, including General Liability, Automobile Liability, Employers' Liability, Law Enforcement Legal Liability, School Board Legal Liability, and Employment Practices Legal Liability.

We are open to specific modifications that may be necessary to meet your unique account exposures. Most important, we back our claim-paying ability with unsurpassed financial security.

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

  • Individual risk or a risk sharing group
  • Committed to loss prevention
  • Willing to retain a self-insured retention of $150,000 or more
  • Claim handling either through self administration or a qualified third party administrator

Product Offering:

  • Unsurpassed security: AA+ by Standard & Poor’s and A++ by A.M. Best
  • Broad form Named Insured including elected, appointed or employed officials, current and former employees including teachers and administrators, current and former members of the Board of Education, Board of Trustees, School Directors and Committees, volunteers, student body organizations, student members of safety patrols, and blanket additional insureds.
  • Choice of own defense counsel
  • Claim expense to include alternative dispute resolution
  • Clear intent and simplified language
  • Alternative loss adjustment expense structures
  • Law Enforcement Legal Liability
  • Non-employment harassment including sexual molestation
  • Garage Keepers Legal Liability
  • Incidental medical malpractice
  • Athletic participants
  • Punitive damages (where permitted by law)
  • Liquor Liability
  • Teachers’ liability and corporal punishment
  • Employment Practices Liability
  • Employee Benefits Liability
  • Employed accountants; architects and engineers; and attorneys

Submission Requirements:

  • Application including exposure projections (Click here for application)
  • Ground up loss information for the current year and the previous five full years
  • Large loss details for claims in excess of $50,000
  • Limits profile if available
  • Actuarial report if available
  • Financial statements
  • TPA or claim administrator contact information