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Proof of Liability Insurance

The St. Francis Area Schools risk management group has made recommendations to the District to require groups that utilize school facilities have and show proof of insurance on file, to not only protect their officers and volunteers, but to also name St. Francis Area Schools as an additional unrestricted insured on the policy. 

Therefore: 

Effective July 1, 2012, all community athletic associations, vendors, booster clubs and group users that intend to schedule and use indoor and outdoor school facilities will be required to carry liability/risk insurance coverage. The insurance binder will be required to be on file in the District’s facility scheduling office before an activity or booking can take place anywhere on school grounds. 

Guidelines for Coverage

Organizations that have more than 100 participants will be required to carry Commercial General Liability Insurance for minimum of $1 million in coverage per occurrence/$2 million aggregate. 

Organizations with less than 100 participants will be required to carry Commercial General Liability Insurance for a minimum of $500,000 per occurrence/$1 million aggregate. 

The policy naming St. Francis Area Schools as an additional insured on the user’s policy, shall be from a carrier rated A-or better by A.M. Best and admitted in the state of Minnesota. A certificate of insurance must be provided, evidencing that a current policy is in effect. 

The policy shall state that the organization’s coverage be primary and non-contributory coverage for St. Francis Area Schools, its school board, employees and volunteers. 

The user group also agrees to indemnify the district for any applicable deductible and self-insured retentions. 

Policy in effect beginning July 1, 2012.

Lisa Rahn
Director, Community Education
St. Francis Area Schools