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Most appropriate coverage at the lowest price.
Charter schools deserve the best insurance rates. Charter schools overall have a great track record with lower losses compared to their regular public school counterparts. Often, charter schools have been lumped together with regular public schools or other types of organizations which do not have as good track record. School size, school culture, and commitment of staff to excellence have a lot to creating a safer environment that exists in charter schools. It is no surprise that quality schools tend to have the lower losses.

CharterSafe recognizes the lower losses experienced by charter schools and reward quality schools with the best rates.
Charter schools need the best coverage. Charter school principals reported having difficulty getting coverage from insurance companies. This was especially true for new or small charter schools. Charter schools resort to having a hodgepodge of policies from multiple insurance companies to cover the various risks-leaving the possibility of gaps of coverage between policies, insufficient coverage, and/or having to pay for coverages not needed. CharterSafe provides coverage appropriate for charter schools-the right coverage at the right levels. It recognizes that no charter school is exactly like another.

CharterSafe is not about just providing insurance - it's about Helping to Keep Your School Safe.
CharterSafe is more than an insurance program-it helps to keep your charter school safe. Somewhere in the country at a charter school, an accident that injures a person or damages property, a lawsuit, or a theft happens every day. Incidents like these can take a huge disruptive and emotional toll on your school. CharterSafe provides you risk management services and consultations as part of the program to help you prevent losses from occurring and if a loss does occur, to handle it effectively with the least disruption to your school. You will have access to risk management consultants that you can use as an extended part of your school team.

 
Charter schools that are participating in the program include:
  • Aspire Public Schools
  • Alliance for College-Ready Public Schools
  • California Virtual Academy (CAVA)
  • CHIME Charter Elementary & Middle Schools
  • Granada Hills Charter High School
  • Lewis Center for Educational Research
  • KIPP Schools
  • Partnerships for Uplifting Communities, Inc.
  • School for Integrated Academies and Technologies (SIATech)
  • St. Hope Public Schools
For the first time, this program is being made available to charter schools across the country in cooperation with charter school associations and education foundations.

 
All-in-one inclusive package including Workers' Compensation, Liability, School Board, Property, Risk Management Services.

Charter schools of many types accepted including:
  • New and Established Schools
  • Education Management Organization operated and Replication Schools
  • Site Based and Non-Site Based Virtual Schools
  • Schools of All Sizes
COVERAGE* INCLUDED*
Workers' Compensation √
Property √
General Liability √
Automobile Liability (including medical payments, uninsured/underinsured motorists/non-owned 3 automobile coverage, hired automobile coverage) √
Automobile Physical Damage √
School Board Legal Liability/Errors and Omission √
Employee Benefits Liability √
Educators Legal Liability √
Sexual Harassment √
Sexual Abuse √
Crime (money & securities, forgery & alteration, employee dishonesty) √
Umbrella √
Risk Management & School Safety Services √
    * Coverage availability and level of coverage varies by state depending that state's legal requirements as well as appropriateness of coverage. This table is for simplified illustration purposes. Specifics of coverages, limits, terms and conditions are contained in the insurance policy or policies.
 
Arthur J. Gallagher & Co. Insurance Brokers of California, Inc. - License # 0726293 - 15 Enterprise, Suite #200 - Aliso Viejo, CA 92656