White Paper

3 Trends Are Increasing Schools’ Exposure to Liability Claims. Here’s What Educators Need to Know

Schools have always contended with the risk of students experiencing traumatic injuries and abuse, but legal and societal trends may be increasing exposure.

White Paper Summary

Schools have a duty to keep students healthy and safe but face several challenges in fulfilling this obligation.

With extracurricular activities spread out across empty classrooms, gymnasiums and athletic fields, it’s impossible to monitor every student and staff member all the time. Administrators, teachers, coaches, building staff, volunteers and other students can all provide a set of watchful eyes — but are also potential perpetrators of abuse. Even the strictest background checks will inevitably fail to catch every bad actor, and they do not address risks posed by other students.

The risk of injury inherent to sports is also difficult to eliminate. Wherever there’s physical activity, there is a chance for someone to get hurt.

Two specific safety risks that schools perennially grapple with are traumatic brain injury (TBI) and abuse. Though schools have, on the whole, gotten better at mitigating these risks, recent legislative and societal changes have created opportunities for frequency and severity of both types of claims to spike.

Here’s how three developing trends are increasing schools’ exposure to liability claims and how the right insurance partner can help schools better protect their students and staff.

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