Insurance Recommendations for Community Use of Educational Facilities
When allowing community groups to use your educational organization’s facilities for events and activities, it is essential that you require those third party groups to have the proper insurance. You must protect your school from liability issues and manage the risks related to community use of your facilities, such as personal injury and participant health/safety, as well as potential damage to facilities and mechanical failures.
Our peers on the Facility Events Listserv shared their policies regarding insurance requirements and coverage limits, including this best practice from Rina Prasad at West Contra Costa USD in California:
The West Contra Costa USD requests a Certificate of Insurance and a copy of the Policy Endorsement from the insurance carrier naming WCCUSD as additionally insured and certificate holder. The WCCUSD name and address should appear on the Certificate of Insurance and the Additionally Insured Endorsement. Insurance limits are as follows:
- Liability: $1,000,000
- General Aggregate: $2,000,000
- Personal Injury: $1,000,000
- Fire Damage: $100,000
- Medical Expense: $5,000
Visit our Facility Use and Event Scheduling Resources to access additional documents on Insurance and Hold Harmless Agreements.
Does it have to be commercial insurance or there are some state programs these third parties are enrolled to, which will be considered equivalent by Facility Events? Thanks.