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Lodi Unified School District

Policy 3530 - Risk Management/Insurance

Series: 3000 - Business and Non-Instructional Operations

Policy: 3530 - Risk Management/Insurance

Adopted: 09/02/1997

Last Revised: N/A

Download Policy 3530 - Risk Management/Insurance PDF (English)

Download Rule 3530 - Risk Management/Insurance PDF (English)

Risk Management/Insurance

The Board of Education strongly supports a risk management program that protects district resources and promotes the safety of students, staff and the public.

The Superintendent or designee shall establish a risk management program that uses effective safety and loss control practices. The district shall strive to keep its liability at a minimum and its insurance premiums as low as possible while maintaining adequate protection. To determine the most economical means of insuring the district consistent with required services, the Superintendent or designee shall annually review the district's options for obtaining coverage, including qualified insurance agents, a joint powers agency, self-insurance, or a combination of these means.

The Board reserves the right to remove an insurance agent-of-record or a participating agent whenever, in the judgment of the Board, such action becomes desirable for the best interests of the district.

To attempt to minimize the district's exposure to liability, the Board shall adopt clear policies related to discrimination, harassment, safety procedures, and the timely handling of claims. The Superintendent or designee shall ensure that these policies and related procedures are enforced fairly and consistently.

Legal References

Education Code
17729.5 Contract funding; board liability
32350 Liability on equipment loaned to district
35162 Power to sue, be sued, hold and convey property
35200-35214 Liabilities, especially:
35208 Liability insurance
35211 Driver training civil liability insurance
35213 Reimbursement for loss, destruction or damage of personal property
35214 Liability self-insurance
35331 Medical or hospital service for students on field trip
39601-39621 Board duties re property maintenance and control
39837 Transportation of pupils to places of summer employment
41021 Requirement for employees' indemnity bonds
44873 Qualifications for physician (liability coverage)
49470-49474 District medical services and insurance
 
Government Code
820.9 Board members not vicariously liable for injuries caused by district
989-991.2 Local public entity insurance
 
Labor Code
3200-4855 Workers' compensation

Rule 3530

Risk Management

The Superintendent or designee shall take action to:

  1. Identify the risks inherent in the operation of district programs.
  2. Assess the above risks and keep records of accidents, losses and damage.
  3. Mitigate risks through loss control and safety-related activities.
  4. Determine the extent to which risks should be assumed by the district or covered by the purchase of insurance or pooling with other districts.

Employees are expected to take reasonable precautions for the care and safety of the school equipment with which they have been entrusted. Employees may be held responsible for recurring damage or losses that occur due to their negligence or lack of supervision. Responsibilities related to safety and loss control shall be included in employee job descriptions.


Insurance

Insurance coverage shall include, but may not be limited to:

  1. Liability insurance.
  2. Fire insurance for buildings, equipment and vehicles.
  3. Workers' compensation insurance.
  4. Fidelity bond insurance.

A suitable bond indemnifying the district against loss shall be purchased for employees responsible for handling district funds and may be purchased for employees responsible for handling district property. The district shall bear the cost of this bonding.