The overarching goal of schools is to create a safe, supportive environment where students can thrive and learn. This begins with a dedication to students' social and emotional well-being, and effective policies and programs that create a culture of trust. Such a culture provides an optimal learning environment, and is also a proactive step…

This manual was designed primarily for use by individuals with developmental disabilities and related conditions. It is hoped that it is also useful for families, as well as service coordinators and providers who directly assist families and individuals with developmental disabilities. The main focus of this manual is to provide easy-to-read…

There are many ways a school district can reduce the cost of insuring employees, equipment, and buildings. (Author/MLF)

Ten suggestions are given for administering an institutional insurance program and coping with recent changes in the insurance market due to increasing premiums and more limited coverage options. (MSE)

Beginning on the front page, this article explains ways of establishing a sound risk management insurance program that can improve a school district's financial position. Organizations that can help are listed. Available from the American Association of School Administrators, 1801 North Moore Street, Arlington, VA 22209. (MLF)

This report presents guidelines to help homeowners, renters, and condominium owners purchase and maintain adequate insurance coverage for their residences and personal property. Types of property coverage discussed include the following: (1) standard policies and exclusions; (2) special programs (earthquake insurance, federal programs for…

Explains how experiential programs and organizations can improve relationships with their insurance companies by understanding the insurance industry's perspective and techniques of risk management. Suggests 22 specific items of information that experiential education organizations should share with insurers to demonstrate understanding and…

School districts can expect to see significant increases in insurance renewal premiums. Advice is offered on safety and loss control procedures, dealing with an insurance broker, and bidding for insurance coverage. (MLF)

Professional counselors are often uninformed about insurance matters. This monograph is for counselors who wish to participate in third-party reimbursement activities. The text addresses general issues related to professional counselors and health care reimbursement. It describes major health reimbursement plans such as Blue Cross/Blue Shield,…

College business officers should take advantage of the industry's market to prepare their institutions for an upcoming hard market. Steps to be taken include evaluating the insurance broker; meeting with the company underwriter; negotiating; considering a renewal contract; negotiating pooling mechanisms; lowering deductibles; and implementing…

Discusses supplemental insurance as a cost-effective way to expand employee benefits programs and offer employees choices at reduced or no additional directs costs to employers. (EV)

This pamphlet provides information to family day care providers on the need to have adequate liability insurance to cover the unique risks faced by care providers. It discusses the reasons for carrying liability insurance, including protection from lawsuits and medical claims by the parents of injured children. The pamphlet then explains what to…

This guide has been designed to furnish child care providers with information on what to look for when designing a liability insurance package and on the types of insurance policies available. It is intended to serve as a tool for those who need help developing and selecting child care insurance, and for those assessing whether their current…

This short course on insurance for camps discusses coverage, including the various types of liability, property, and other types of coverage; the difference between direct writers, brokers, agents, and captive agents; choosing an insurance company; and checking on the financial stability of recommended carriers. Three Web sites are given for…

A public entity facing an environmental cleanup can take certain measures to dramatically increase its chance of coverage. Argues that many comprehensive general-liability insurance policies have coverage if the pollution is "sudden and accidental." (MLF)