First in a series of six articles on the legal responsibilities, liabilities, and limitations of school boards. The article also discusses the tort immunity doctrine for school districts. (MF)

Discusses the legal concept of liabiltiy and the potential risks facing the practicing counselor. Outlines the standard of care that psychiatrists must meet to protect themselves against negligence charges. Discusses actions resulting in false imprisonment, battery, infliction of mental distress, defamation, and "duty to warn." (RC)

School district administrators are advised to hire a consultant to make a complete risk management study and design a proper insurance program; to work with a single insurance agent or broker; to designate a single person as district insurance coordinator; and to establish and make use of an advisory committee. (Author/MLF)

Administrators responsible for purchasing school insurance should work with insurance companies to insure competitive prices and responsive services. Guidelines are provided. (Author/MLF)

Presents a model for evaluating liability insurance limits and selecting the correct limit for an individual institution. Argues that many colleges and universities may be making overly conservative decisions that lead to the purchase of too much liability insurance. Also discusses the financial consequences of an uninsured large liability loss.…

Examines the malpractice liability of information specialists based on the liability exposure of other information professionals, such as attorneys and market researchers. The discussion covers the use of contracts to limit liability and factors to consider when choosing malpractice insurance. (four references) (CLB)

Reviews current school district risk management practices and the related accounting requirements. Summarizes the Governmental Accounting Standards Board's proposed accounting standards and the impact of these on school districts' risk management practices and on their financial statements. (11 references) (MLF)

Extra expense insurance is intended to reimburse the policy holder for extra expenses incurred to continue functioning as normally as is practicable while the damaged property is being restored. Explains conditions to the coverage and how to analyze insurance needs and determine the level of financial protection needed. (MLF)

For mature industrialized nations to meet the challenge of shifting to a high value added technology base, excellence in three areas is needed: (1) education, (2) labor market performance, and (3) social insurance. A Swedish proposal that would allow individuals to take responsibility for their own future is the individual educational investment…

An institution's educators legal liability policy can provide very broad or limited protection to a college and employees. The college or university's insurance buyer or risk manager must understand the terms and conditions of the policies available and evaluate their specific application to the institution, giving coverage as much weight as costs…

Discusses insurance, labor legislation, unions, and child-labor legislation as they relate to school-business partnerships. Offers ways to alleviate concerns and get employers involved. (Author/JOW)

School facility managers are beginning to use a special insurance-management technique called wrap-up. The project owner purchases a bulk construction insurance policy consisting of general liability, excess liability, workers' compensation, and builders' risk insurance. Wrap-ups ensure competitive pricing, safety incentives, lower claims costs,…

Considers risk management and liability issues in cases of camp partnerships with schools, camp alternatives to incarceration for juvenile offenders, and elder hostel programs. Discusses making contracts, hiring attorneys, identifying risks and responsibilities, insuring volunteers, governmental immunity, liability waivers, additional insured…

During periods of high unemployment, many workers exhaust their unemployment insurance (UI) benefits before regaining employment. To help alleviate this problem, Congress created the extended benefits (EB) program, expanding the number of weeks of benefits available to UI recipients in high unemployment states. The EB program operates by…