Investigating school-related claims is very similar to other governmental claims. (Photo: Shutterstock)
Last month we began analyzing coverage issues affecting a school's actions in terms of disciplinary actions. First, the act would have had to be committed by or with the acquiescence of the insured — which might then trigger the "intentional act" exclusion — or be an act for which the insured might be vicariously responsible. Allegations that the school failed to prevent a third party from engaging in a named peril may not necessarily translate into coverage for the school.
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