The Lyme School •  Lyme, New Hampshire
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Policy Manual


Policy: DIB
Liability Insurance


The School Board shall purchase liability insurance, as part of a comprehensive package or as separate policies, as follows, seeking to minimize exposure through preservation of statutory limitations on liability as follows:

  1. Commercial General Liability: protecting the District and its employees against claims for bodily injury or property damage arising from the ownership, maintenance, or use of the insured premises. In addition, this policy should cover the Board and its agents in cases alleging personal injury: libel, slander, invasion of privacy, false arrest, wrongful eviction. Limits should conform to RSA 507-B:4 ($275,000 per person; $925,000 per occurrence; with at least a $3,750,000 annual aggregate).
  2. Automobile Liability: covering the District against claims for bodily injury; sickness, disease, or death; as well as claims for property damage arising from the ownership, use, or maintenance of a District-owned vehicle or authorized hired or non-owned vehicle properly used on behalf of the District, including provision for medical payments and uninsured motorists. Limits of liability will be a minimum of $275,000 per person; $925,000 per occurrence.
  3. Errors and Omissions Liability: providing the Board and its agents with financial protection against any claims alleging wrongful acts arising out of their assigned responsibilities on behalf of the District (minimum of $3,750,000).

Each contractor will provide evidence of Worker’s Compensation coverage and a Certificate of Insurance showing the liability policy endorsed to name the District as an additional insured party.

Any accidents or occurrences, no matter how minor, that could indicate liability on the part of an employee or official of the District shall be promptly reported to the administration and by them to the insurer. Any changes in use or occupancy of buildings shall also be reported. Strict observance of these requirements is necessary to prevent loss of coverage under policy restricting conditions.


RSA 5O7-B:4, Limit of Liability


ADOPTED: 15 November 2007


REVISED: 20 November 2008