{"id":1561,"date":"2021-08-19T14:34:22","date_gmt":"2021-08-19T19:34:22","guid":{"rendered":"https:\/\/web.risd.org\/riskmanagement\/?page_id=1561"},"modified":"2026-01-08T08:58:31","modified_gmt":"2026-01-08T14:58:31","slug":"property-casualty-and-liability-insurance","status":"publish","type":"page","link":"https:\/\/web.risd.org\/riskmanagement\/property-casualty-and-liability-insurance\/","title":{"rendered":"Property, Casualty and Liability Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1561\" class=\"elementor elementor-1561\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<header class=\"elementor-section elementor-top-section elementor-element elementor-element-bb1f130 elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"bb1f130\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-992130a\" data-id=\"992130a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b2150c elementor-widget elementor-widget-heading\" data-id=\"0b2150c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Property, Casualty and Liability Insurance<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/header>\n\t\t\t\t<main class=\"elementor-section elementor-top-section elementor-element elementor-element-48ff633 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48ff633\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9770945\" data-id=\"9770945\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1bb6acc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1bb6acc\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#overview\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Overview<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#motor\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-times\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Motor Vehicle Accidents<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#student\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-dot-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Student Accident Insurance <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a9364c5\" data-id=\"a9364c5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f9cc2f elementor-widget elementor-widget-heading\" data-id=\"5f9cc2f\" data-element_type=\"widget\" id=\"overview\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Overview<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45e4da3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"45e4da3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A Texas school district, as an arm of the state government, is immune from liability regarding accidents that occur on school grounds or any place that is under the jurisdiction of the school district, except liability incurred from the operation and use of school-owned motor vehicles.<\/p>\n\n<p>The RISD purchases motor vehicle liability insurance to protect against claims for its automobile property damage and automobile liability exposures for vehicular accidents involving district owned vehicles.<\/p>\n\n<p>The RISD does not purchase liability insurance for other types of accidents\/incidents such as medical bills for a student injured on school grounds, replacement of a windshield broken by a rock thrown from a district mower, etc. The purchase of such liability insurance to protect against a liability, for which state law provides immunity, would be an improper use of funds. RISD carries workers\u2019 compensation insurance to provide benefits to employees who are injured in the course and scope of their employment.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41d292e elementor-widget elementor-widget-heading\" data-id=\"41d292e\" data-element_type=\"widget\" id=\"motor\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Motor Vehicle Accidents<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9abff6b elementor-widget elementor-widget-text-editor\" data-id=\"9abff6b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>In accordance with RISD policies and procedures, all accidents\/incidents involving district owned or rented vehicles that result in property damage should be reported immediately. The written report should be submitted within 3 days of the accident\/incident at <a href=\"mailto:RiskManagement@risd.org\"><strong>RiskManagement@risd.org<\/strong><\/a>. For additional information, contact the District Fleet Safety Specialist at 469-593-0140.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9675f49 elementor-widget elementor-widget-heading\" data-id=\"9675f49\" data-element_type=\"widget\" id=\"student\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Student Accident Insurance <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b8055a elementor-widget elementor-widget-text-editor\" data-id=\"7b8055a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The District cooperates in a program to offer low-cost accident insurance to students. Students or parents pay the premium for the coverage if they choose to participate. Soon after the school year begins, parents will have an opportunity to purchase this low-cost insurance. RISD is not responsible for treating injuries and cannot assume liability for any costs associated with an injury.<\/p><p>The Board of Trustees has authorized the purchase of accident, liability, or automobile insurance coverage for students or businesses involved in the District\u2019s Career and Technology Education program where such coverage is required for the student\u2019s participation.<\/p><p>RISD also maintains catastrophic insurance coverage that provides certain benefits to students who are severely injured during school-related activities. For information about eligibility, contact the District Safety Manager at 469-593-0140.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4265a4a elementor-widget elementor-widget-text-editor\" data-id=\"4265a4a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li><a href=\"https:\/\/web.risd.org\/riskmanagement\/wp-content\/uploads\/24-25-Parent-Letter.pdf\"><strong>Voluntary Student Accident Insurance Information<\/strong><\/a><\/li><li><strong><a href=\"http:\/\/studentinsuranceplans.com\/online-enrollment\">Voluntary Online Enrollment<\/a><\/strong><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70e9748 elementor-widget elementor-widget-text-editor\" data-id=\"70e9748\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Some documents may contain content that is not accessible to all readers. To obtain assistance accessing these documents, please contact the District Safety Manager at 469-593-0140.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/main>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Property, Casualty and Liability Insurance Overview Motor Vehicle Accidents Student Accident Insurance Overview A Texas school district, as an arm of the state government, is immune from liability regarding accidents that occur on school grounds or any place that is under the jurisdiction of the school district, except liability incurred from the operation and use [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1561","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/web.risd.org\/riskmanagement\/wp-json\/wp\/v2\/pages\/1561"}],"collection":[{"href":"https:\/\/web.risd.org\/riskmanagement\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/web.risd.org\/riskmanagement\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/web.risd.org\/riskmanagement\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/web.risd.org\/riskmanagement\/wp-json\/wp\/v2\/comments?post=1561"}],"version-history":[{"count":76,"href":"https:\/\/web.risd.org\/riskmanagement\/wp-json\/wp\/v2\/pages\/1561\/revisions"}],"predecessor-version":[{"id":1855,"href":"https:\/\/web.risd.org\/riskmanagement\/wp-json\/wp\/v2\/pages\/1561\/revisions\/1855"}],"wp:attachment":[{"href":"https:\/\/web.risd.org\/riskmanagement\/wp-json\/wp\/v2\/media?parent=1561"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}