Insurance

Overview of Insurance Provided through RMRIG

General Liability

Covers claims by members of the public for bodily injury, property damage, and personal injury, advertising liability arising out of negligent acts of covered persons.  Included cost of defense of covered claims.

Auto Liability

Covers Claims by members of the public of the public for bodily injury and property damage arising out of the use of a covered vehicle. Includes cost of defense of covered claims.

Educators Legal Liability

Covers: errors, omissions, misstatement, neglect or breach of duty, employment practices (including discrimination), violation of civil rights misfeasance or non feasance in discharge of duties that results in unexpected and unintentional damage to others. Includes cost of defense of covered claims.

Property Damage/Equipment Breakdown

Covers damage to property of BOCES members, including extra expenses and loss of revenue resulting from property damage.

Workers’ Compensation

Statutory coverage for medical expenses and loss of income incurred by employees for injuries or work related diseases sustained in the scope and course of employment.

Crime Insurance – Loss of Money and Securities due to:

  • Employee Dishonesty
  • Forgery
  • Theft
  • Computer Fraud/Wire Transfer

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