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Schools and Charter School Programs
BCG Advisors is an industry leader in providing insurance programs Schools and Charter Schools. No matter the size or location, we have the necessary programs and coverages to properly insure against all risks at an extremely competitive price. For more information, please contact Edward Westermann Jr. at (201) 435-4500 ext. 114 or email Edward Westermann Jr. at EWestermann@BCGAdvisors.com.
General Liability
- Comprehensive General Liability – Limits to $3,000,000
- Premises Liability
- Special Events Liability
- Personal Injury Liability
- Educators Professional Liability
- Employee Benefits Liability
- Corporal Punishment coverage is available
- Abuse and Molestation coverage is available
Property
- Blanket Limits with large in-house capacity
- All Risk coverage on building, contents, loss of income and extra expense
- Coverage for property of students
- Loss of income and extra expense
- Vandalism Reward Reimbursement coverage
- Replacement Cost endorsement
- Business Income changes – Educational institutions (tuition reimbursement)
- Property Enhancement form
Excess Liability
- Limits up to $15,000,000 available
Automobile
- Owned automobiles
- Hired and non-owned automobile exposures
- Liability and physical damage
- Rental reimbursement
- Coverage for fleets including 60+ passenger buses
Crime and Fidelity
- Employee Dishonesty
- Forgery or Alteration
Documents Required for Proposal
- Competed and signed/dated School Application
- Currently valued insurance company loss runs for the current policy period plus three prior years
- Photographs of location(s)
- Latest financial statement
- Brochure, advertising materials and website information
Carrier
- These coverages are underwritten by Insurance Companies rated A+ (Superior) or better by A.M. Best.
Payment Terms
- Interest-free installments available
Coverages listed above are not guaranteed and must be underwritten. Not all coverages are available in all areas or for all groups.
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