Districts and schools are asking that partnering enrichment providers carry general liability insurance and be added to the certificate of insurance as a policyholder.
The primary reason districts and schools ask for general liability insurance is that they are renting out physical space and the insurance helps protect from liability claims alleging property damage or bodily injury occurring on the school grounds.
But does this requirement still make sense for enrichment programs that have moved to online? Given that the student is in his/her own home as opposed to in a school, you would not be liable if they were injured. The same goes for the equipment they are using.
So if you aren’t liable then why have a general liability policy? One of the main reasons is that anyone can be sued for anything. Defense costs, that is, retaining an attorney to defend you against a lawsuit is very expensive. The general liability policy will pay to defend you against the lawsuit if there is a chance that there is coverage under the policy for the lawsuit filed.