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Coverage Program
Lower claims frequency translates into lower insurance costs.
SAIF offers its members the following insurance coverages:
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Workers’ Compensation
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Supplemental Workers' Compensation
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Property
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General Liability
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Auto Liability and Physical Damage
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Crime and Fidelity
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Cyber Liability
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Boiler and Machinery
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School Leaders Liability
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Environmental Impairment Liability
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Excess Liability
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Student Accident Coverages
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Security Guard Coverage
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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.
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