E1530.03 - District and Volunteer Accidents Insurance

Auto Insurance Coverage

The District provides auto coverage for all employees, approved volunteers, and agents, over the age of 21, while driving District-owned vehicles or personal vehicles on District business. (excess liability above the individual’s personal coverage).

Excess Car Insurance for Employees

The school District provides excess insurance coverage for regular school employees and approved volunteers. The policy will cover excess liability amounts, excluding property damages, subject to the conditions and limitations of the District's liability policy with a requirement that those employees and volunteers using this coverage agree to carry at least $25,000/$50,000 public liability and $10,000 property damage on their own vehicle insurance.  It covers employees and volunteers while working or acting within the course and scope of their employment / volunteer activity while traveling to and from approved scheduled school activities and will provide coverage while transporting students riding in the vehicle of a regular employee or volunteer.

Principals or department heads should explain to their employees and volunteers that they must have private coverage as listed above in order to be eligible for the excess insurance coverage even though they are using their own vehicle on school business.  Principal or department heads are required to approve the use of private cars by both employees and volunteers before their cars are used for school business.

The 4J Staff and Volunteers Private Auto Insurance Form is required to be completed and submitted to the supervisor. The form is available on the Risk Management website.