Oversight · Risk
Insurance & Risk
The charter network's own insurance program — property, liability, D&O, workers' comp, cyber and more. These are the policies the network carries (distinct from vendors' certificates of insurance, tracked on the Vendors registry). Figures are illustrative model data.
2 policies expire within 60 days. Cyber Liability — Beazley Insurance (Aug 19, 2026), Commercial Auto — Progressive Commercial (Aug 28, 2026). Start the renewal to avoid a coverage gap.
Total insured value (TIV)
$156.40M
property & builder's-risk lines
Active policies
9
11 total in force
Annual premium
$2.27M
across all lines
Expiring ≤60 days
2
renewals to place
| Line of coverage | Carrier | Coverage limit | Deductible | Annual premium | Term | Status | Scope |
|---|---|---|---|---|---|---|---|
Cyber Liability | Beazley Insurance BZ-CY-770233 | $3,000,000 | $50,000 | $48,500 | Aug 19, 2025 → Aug 19, 2026 · 30d | Expiring ≤ 60d | Network-wide |
Commercial Auto | Progressive Commercial PGR-CA-559812 | $1,000,000 | $5,000 | $71,500 | Aug 28, 2025 → Aug 28, 2026 · 39d | Expiring ≤ 60d | Network-wide |
Workers' Compensation | FUBA Workers' Comp (Florida) FUBA-WC-114290 | $1,000,000 | — | $242,000 | Sep 25, 2025 → Sep 24, 2026 · 66d | Active | Network-wide |
Builder's Risk TIV $18.50M | Zurich American Insurance Co. ZUR-BR-2026-118 | $18,500,000 | $50,000 | $132,000 | Sep 15, 2025 → Oct 31, 2026 | Active | LRA Oakmont — New K-8 Campus |
Property TIV $128.40M | Liberty Oak Insurance Co. PHPK-2246118 | $150,000,000 | $100,000 | $1,240,000 | Jan 1, 2026 → Dec 31, 2026 | Active | Network-wide |
General Liability | Heartland Mutual Insurance Co. CM-GL-0084417 | $3,000,000 | $10,000 | $186,000 | Jan 1, 2026 → Dec 31, 2026 | Active | Network-wide |
Educators Legal Liability | Scholars Risk Insurance UE-ELL-33108 | $2,000,000 | $25,000 | $96,000 | Jan 1, 2026 → Dec 31, 2026 | Active | Network-wide |
Directors & Officers | Summit Specialty Insurance FI-DO-8820451 | $5,000,000 | $25,000 | $62,000 | Jan 1, 2026 → Dec 31, 2026 | Active | Network-wide |
Umbrella / Excess | RSUI Indemnity Co. RSUI-UMB-40217 | $10,000,000 | — | $88,000 | Jan 1, 2026 → Dec 31, 2026 | Active | Network-wide |
Crime / Fidelity | The Hartford HFD-CR-102884 | $1,000,000 | $10,000 | $21,800 | Jan 1, 2026 → Dec 31, 2026 | Active | Network-wide |
Property TIV $9.50M | Liberty Oak Insurance Co. PHPK-2246119 | $12,000,000 | $25,000 | $78,000 | Aug 1, 2025 → Jul 31, 2027 | Active | LRA Gulf Coast |
Connections
Leases → — landlords require the school carry property & liability coverage; the certificate of insurance is furnished from these policies.
Construction → — Builder's Risk covers active capital projects during the course of construction.
Board → — Directors & Officers liability covers the Board's governance decisions.
Documents → — store the policy binders and certificates of insurance.
Vendors → tracks vendors' own COIs separately — those are the contractors' policies naming the school as additional insured, not the network's coverage shown here.