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Lyme
School Board
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:
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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).
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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.
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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
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