Blanket pools limits across locations. Scheduled assigns a per-building cap. Underinsured buildings won't be made whole at claim time.

Many policies cap water damage at $100K–$500K buried in the sublimit schedule — well below a real loss. Find the line and compare it to your exposure.

New portables, leased annexes, or off-site program locations not on the dec page = no coverage.

Your lease or bond docs may require specific limits. Make sure your policy meets them.

Standard property policies exclude flood. If you're in or near a flood zone — or even if you're not — confirm this intentionally.

Defense inside limits means legal fees eat your coverage limit — a $1M policy could be $700K gone to lawyers before any settlement. Outside limits preserves the full amount for judgments.

This is frequently sublimited or can even be compromised if not written properly. If claims made, confirm retro date reaches back far enough to cover liability for any prior unreported incidents.

If the retro date moves forward at renewal, you lose coverage for everything that happened before the new date. Verify this matches your prior policy every year.

Almost no schools practice corporal punishment. If you're paying a surcharge for it, that's a classification error. Get it removed.

Any policy line not scheduled as an underlying is excluded from umbrella protection. Confirm all five are listed and that limits match.

A vehicle not on the schedule is not insured. Run this list quarterly.

Covers staff using personal vehicles for school business and rentals. Often missed on education policies.

Misclassified employees can cost thousands in unnecessary premium. A WC audit or classification review often finds recoverable money.

New campuses or programs not reflected mean your mod and limits may be wrong.

Errors in the NCCI or state rating bureau data can inflate your e-mod and cost you every year. Request a loss run and compare to what's on file.

Student PII, SIS data, and financial records make schools targets. Incident response costs alone often exceed $200K. Confirm ransomware and data breach are both covered.

Some schools are required by contract with their authorizers to carry crime coverage or a surety bond for a specific limit. There is also meaningful overlap between cyber and crime policies on fraudulent wire transfers — we recommend carrying both. Confirm limit is in place and policy language is current.

Student accident coverage pays medical bills for students injured during school activities — whether uninsured, or to cover a family's out-of-pocket costs when they have insurance. This is distinct from general liability: GL responds to negligence; student accident pays regardless of fault. Many schools don't realize a student injury without negligence won't trigger GL — this coverage fills that gap.

If your retro date moves forward at renewal, you lose coverage for everything that happened before the new date. Verify this matches your prior policy every year.

Open claims affect your renewal pricing. Know what's open, what's reserved, and whether any should be closed before the renewal date runs the numbers.