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Independent School Insurance & Liability Issues

Insurance plays a critical role in protecting schools, their leadership, and their employees from significant legal and financial risk. In this video, Joe Pecora explains why insurance is essential for schools - not only to manage liability exposure, but also to meet indemnification obligations owed to directors, officers, and employees under law, bylaws, and employment contracts. Joe Pecora, a Partner at Commons & Commons LLP, walks through the core types of insurance coverage schools should understand, including general liability, workers’ compensation, property, and auto insurance, as well as school-specific coverages such as directors and officers insurance, employment practices liability, sexual misconduct and molestation coverage, and cyber insurance. He also explains why gaps in coverage, policy limits, or lapses in insurance can create serious exposure - and why schools should regularly review their coverage with a knowledgeable insurance broker to ensure they are properly protected.