Clarke & Sampson Blog

Credit History and Your Insurance Premiums

Posted by Scott Jefferson

Feb 8, 2017 10:03:31 AM

Why credit history matters

As you may know, many insurance companies use credit-based scores to help determine a customer's insurance premium. This FAQ section can help you understand how your score is calculated and how it could impact what you pay for your policy. (Please note that the use of insurance scores varies by state.)

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Topics: Insurance Scoring

2016 large Losses Reported from United Educators

Posted by Matt Stephens

Feb 3, 2017 11:00:00 AM

Education Awards and Settlements Abuse of Special Education Students

Separate settlements totaling $5.3 million have been reached with five of the six families that filed suit against the Rocklin Unified School District in California claiming a special education teacher abused students. Allegations against her include taping a child’s hands to a desk, forcefully picking up and locking a child out of a classroom, and pushing her body into a student. According to the lawsuit, administrators at the school knew about the incidents through reports from classroom aides but did nothing to stop them. An anonymous caller contacted the police, who notified the parents.

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Topics: K-12 Private Education, Private School Insurance, Education Claims

Private Education: Background Checks

Posted by Matt Stephens

Jan 31, 2017 11:01:00 AM

The Importance of Background Checks

Employing trustworthy, quality educators is one of the most important responsibilities of an administrator, and background checks are a fundamental part of ensuring this trustworthiness. Considering that the well-being of students is on the line, thorough background checks should unquestionably be a deciding factor in the hiring process. They are a cornerstone of any good risk management program.

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Topics: Private Education Insurance, K-12 Private Education, Background Checks Private Education, Insurance for Private Schools, Private School Insurance, Background Checks for Schools

Private Education Insurance: You Need Incidental Medical Malpractice Coverage

Posted by Matt Stephens

Jan 27, 2017 11:00:00 AM

You Need Incidental Medical Malpractice Coverage

Incidental medical malpractice insurance is designed to cover organizations outside the health care industry that have a medical exposure for operations that are not the major function of their organization. If you employ a school nurse, athletic trainer or other first aid provider, then you have a serious exposure for any injuries caused by medical care, or lack thereof. Educational facilities are especially at risk for this type of exposure because they deal with young, active students on a daily basis that have a variety of medical needs. Incidental medical malpractice coverage can protect your facility from this exposure.

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Topics: Private Education Insurance, K-12 Private Education, K-12 Private Education Insurance, "Private Education Malpractice

Slip and Fall Prevention for Your School

Posted by Matt Stephens

Jan 24, 2017 11:00:00 AM

Preventing Slips and Falls at School

Wet weather can be a nuisance, meaning being trapped inside and dealing with wet messes tracked in by students and faculty. Moreover, the wet walking surfaces this nuisance creates present a serious slipping hazard for you, your students and fellow faculty.

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Topics: Private Education Insurance, K-12 Private Education, Slip and Fall Prevention

Recent Study Predicts Escalation of Cyber Attacks

Posted by Scott Jefferson

Jan 20, 2017 11:26:33 AM

According to a recent report from Experian, a global information services group, businesses can expect to see an increase in the number and severity of cyber attacks in 2017. The report also predicts that a large number of politically-motivated cyber attacks near the end of 2016 will escalate into a larger cyber attack conflict, and that businesses in the financial, security and health care industries will be the most frequently targeted.

Major Predictions

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Topics: Cyber Security, Cyber Liability

Emergency Response Checklist for School Part:2

Posted by Matt Stephens

Jan 20, 2017 11:05:00 AM

Continued from Part:1

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Topics: Private Education, Emergency Response Private Education, Emergency Response Checkilist

Emergency Response Checklist Part:1

Posted by Matt Stephens

Jan 20, 2017 11:02:00 AM

According to the Federal Emergency Management Agency (FEMA), there are a number of phases included in the creation of an effective emergency management program. The following checklist identifies those phases along with action steps associated with each.

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Topics: K-12 Private Education, Private Education Checklist, Emergency Response Checklist, School Emergency Response Checklist

Private Education Emergency Response Safety

Posted by Matt Stephens

Jan 17, 2017 12:00:00 PM

Emergency Response Safety for Schools

Most school districts and individual schools have emergency management plans in place. However, they are not always practiced regularly, coordinated with community resources, updated regularly or based on factual data and circumstances. As a result, when schools and districts find themselves in situations that merit an emergency response, they are often left unprepared.

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Topics: Private Education, Private Education Insurance, Independent School Insurance, School Insurance, Education Insurance, Emergency Response Private Education

National Flood Insurance Program Changes for 2017

Posted by Scott Jefferson

Nov 1, 2016 4:03:54 PM

The Federal Emergency Management Agency (FEMA) recently announced changes to the National Flood Insurance Program (NFIP) that will go into effect on April 1, 2017. These changes are made annually, and may impact your home’s flood insurance premiums—especially if it is newly mapped into a Special Flood Hazard Area (SFHA).

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Topics: Flood Insurance, Flood Facts, Alexandria Flood