Student & Staff Travel Issues
—4J Staff Travel Liability Coverage

Local and regional travel includes travel to conferences, employee travel between work sites, and employee travel while transporting students on field trips.

The District Provides:

Auto liability coverage for travel in all district vehicles, including leased or chartered vehicles. Coverages include liability for property damage or bodily injury to a third party, as a result of an accident caused by the negligence of a district employee.

Auto liability coverage for travel in personal vehicles while on district business. Coverages include liability for property damage or bodily injury to a third party, as a result of an accident caused by the negligence of a district employee. Coverage is only for damages above the limits of the employee's personal policy.

To Transport Students in Personal Vehicles it is Recommended that Staff:

• Be over 21 years old.
• Be approved by the school principal.
• Carry personal auto insurance with at least $25,000/50,000 public liability coverage and $10,000 property damage coverage.
• It is recommended that staff fill out a 4J Staff & Volunteers Private-Auto Insurance Form(pdf).

Rental Car use

When staff are using rental cars for District business, collision and comprehensive coverage are automatic if the vehicles have been rented by the District.

To ensure District coverage for rental cars:

• A District credit card or purchase order must be used to rent the vehicle.
• School District 4J must appear on the rental agreement as the renting agent. Individual employees should not list themselves as the renter. If your name or the name of another District employee appears on the rental agreement as the renting party, collision and comprehensive coverage are not available through the District.

Staff are covered by district liability insurance for claims of negligence which might include the following types of incidents:

• A teacher damages property belonging to a third party and a claim is brought against the district to recover the replacement cost.
• A parent whose child was injured on a field trip claims the injury is the result of staff negligence and threatens to file a lawsuit.