Charter school boards are volunteers — parents, local professionals, community members — and the claims that reach them are about decisions, not accidents. Governance disputes, employment claims, student-rights cases, and the fine print of claims-made coverage all put personal assets and the school itself on the line in ways general liability was never built to handle.
Most of these exposures hide in policy structure: which form the board's protection is written on, what the umbrella actually schedules, and where a retroactive date sits. The guides below walk through each one in plain English, so you can ask the questions a generalist broker never raises.