Troy U Dev Site

Keeping Schools Safe

Risk Management Services

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

Preventative Measures

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
  • Automobile
  • Property
  • 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.