Contact Us
Murray, Schoen & Homer Inc.
71 North Avenue
New Rochelle, NY 10801
Tel: 914-632-8989
Fax: 914-632-9170
email MSH
Daycare or Other In-Home Schools
Coverage for abuse or sexual assault for small schools is often difficult to obtain at a reasonable price. Limited corporal punishment coverage for teachers who are employed by a school system may be available from your homeowners carrier. If you are an independent tutor or run your own school, most homeowners policies cannot be modified to include corporal punishment.
Abuse and corporal punishment may be available through the association(s) that specialize in your type of student.
Your homeowners insurance will not help you for most schools operated in the home. Companies may be willing to add an endorsement to cover piano lessons, but most will not want to cover a three-to-five child daycare run from the home. Liability coverage may be purchased separately. Coverage for property and liability can be provided through a Business owners policy, but none of these forms includes professional liability or abuse or corporal punishment.
Specialty schools, such as ballet, sports, personal training, animal training, horseback riding will require specialty coverage. Again, your trade organization, or independent agent can often find you coverage at a reasonable price.
Workers compensation is essential for any person you employ.
Driving students in private vehicles or bus-like vehicles poses special problems. You must hold a Commercial Driver’s license if you haul more than 16 people including the driver. Your school is probably too small to qualify for standard business auto insurance. If standard coverage is unavailable, many states have assigned risk pools and other mechanisms to provide you coverage-sometimes at reasonable prices. A good independent agent will understand these markets.
Your state will also have laws regulating the transportation of students and these laws may require a special license when transporting fewer than 16 people. Subcontracting the driving does not lessen your responsibility for a whole raft of laws from vehicle accidents, workers compensation, ADA, and whether the driver has met the new substance abuse requirements.
Independent insurance brokers providing personalized financial planning and insurance services including homeowners insurance, business insurance, professional liability and group medical benefits. Murray, Schoen & Homer Inc is a New York State licensed insurance agency located in New Rochelle, NY and serves the surrounding Westchester County communities including Larchmont, Mamaroneck, Mt. Vernon, Harrison, Eastchester and Pelham, New York.
As a licensed entity in the State of New York we want to notify you that this is not an offer to sell insurance or an
advertisement of insurance anywhere except the State of New York, United States of America.