Today, children in school can be threatened by weapons, sexual molestation and harassment, as well as general premises risk exposures. Should a child be injured by a weapon, molested or even a fall down the school stairs, the result is usually a lawsuit filed by the parents against the school. So, how does a school protect against these exposures?

Many insurance companies offer policies designed to address the specific risk exposures facing schools and universities. However, these policies are based on the standard general liability policy, so it is appropriate to discuss that policy with reference to the coverages it supplies, and denies, to schools.

Premises Liability

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