Coverage Program

Lower claims frequency translates into lower insurance costs.

 

SAIF offers its members the following insurance coverages:

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• Workers’ Compensation 

• Supplemental Workers' Compensation

• Property 

• General Liability 

• Auto Liability and Physical Damage 

• Crime and Fidelity

• Cyber Liability 

• Boiler and Machinery 

• School Leaders Liability 

• Environmental Impairment Liability

• Excess Liability 

• Student Accident Coverages 

• Security Guard Coverage

• International Travel Program

 

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SAIF members may select individual coverages.

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A Risk Management Plan approved by the Department lists the coverages offered to members. The Fund self-insures some coverages and purchases reinsurance for many excess losses. Some coverages are group purchased from insurance carriers.