Keeping Schools Safe
During the past 20 years, a need for increased risk management in schools has become one of the most important legal and political issues of our time and has changed the way school administrators approach their jobs.
Dangers to Children at School
The dangers to children on campus extend far beyond the risk of skinning a knee on the playground. Modern children face danger from the following:
- Sexual or physical abuse by teachers and coaches
- Neglect by bus drivers
- Physical injury from fighting with peers
- Violence from active shooters on school grounds
- Emotional trauma from bullies
- Injuries sustained during sports or other extra-curricular activities
Schools have responded to calls for increased safety with a variety of measures, including metal detectors and on-site police officers. Schools are also increasingly prepared to shoulder financial obligations in the case of accidents. The insurance company Caitlin Morgan recommends that schools have these and perhaps other types of insurance coverages:
- General Liability
- Sexual Abuse and Molestation
- Commercial Umbrella
- AD&D and Educator Legal Liability
It is uncertain what the next decade might hold for schools and children. However, if administrators, parents, and educators work together, the future still can be full of promise for them.
The United States Longshore & Harbor Act, also known as USL&H, is relevant to all maritime workers in the United States. This act covers insurance for workplace injuries for employees of some companies operating on or near the water.
What is USL&H insurance?
USL&H insurance, enacted in 1927, is a compensation system designed with maritime workers in mind. Maritime workers, as defined by Google, are “connected with the sea, especially in relation to seafaring commercial or military activity.” Typically, though not always, this means that USL&H insurance covers employees that work near or on the water in the US. As explained by Merrimac Marine, USL&H insurance benefits refer to employee injuries or illnesses that happened on or near navigable waters.
What are navigable waters?
The term navigable waters might seem broad at first, but generally, it refers to any body of water used in the past or currently used by the US for transportation and commerce purposes. A simple way to look at this is with reference to bodies of water that contain docks, wharves or piers, all of which are likely to be utilized for transportation purposes.
Understanding the qualifications and circumstances for USL&H insurance coverage is an important safety measure for any maritime worker.
If you are like most physicians and senior medical staff members, you graduated from a medical university, continued training in a specialty field, and eventually joined an existing team or office with a contract that has an inclusion of a malpractice insurance coverage within the employment terms. After a few years, you may choose to switch practices or move to a new team, but before you leave, there is something you need to make sure you do – cover your tail.
Tail Coverage Details
Malpractice tail coverage is specialty insurance created by an endorsement that can be added to a malpractice policy when it is canceled. The insurance then applies to the assertions made against the previous malpractice policy that are claims-made. According to Caitlin Morgan, the gap coverage can be purchased for anywhere from a few to 10 years in coverage length, or you can choose to have an indefinite tail that will cover in perpetuity.
Insurance Coverage Reasons
The termination of your malpractice insurance coverage automatically allows you to receive a tail coverage quote which you can accept or decline within 30 days of the first coverage cancellation date. Although you may be walking away from your place of employment, claims can follow you from that location for several years. That is why tail malpractice coverage is important for future protection.
Purchase your tail insurance from a trusted representative to make sure all the provisions you need are specified in the policy. Your broker can help you protect your future with a simple tail insurance policy.