Jefferson County
School districts carry a level of risk and public responsibility that a standard commercial policy was never built for. McBane Insurance works with boards of education across Ohio to build coverage that protects students, staff, taxpayers, and district leadership — with the kind of local, responsive service a public entity deserves.
A Trusted Partner to Ohio School Districts
Public-sector insurance is a specialty — it means understanding how a district budgets, how a board approves coverage, and how state law shapes what a district is required (and permitted) to carry. That’s exactly where we focus.
We represent Ohio’s public school insurance program with the highest coverage limits available in the state. From a coverage standpoint, it’s simply the strongest option available to your district — and we handle everything from enrollment through claims and renewal on your board’s behalf.
Coverage Built for the Realities of Running a District
- General Liability — protection for claims of bodily injury or property damage arising from school premises, operations, and events.
- School Board Legal Liability / Errors & Omissions — coverage for claims against the district, its board, and administrators for decisions made in their official capacity.
- Employment Practices Liability — protection against claims of discrimination, wrongful termination, or retaliation involving district employees.
- Property Coverage — protects buildings, contents, and equipment against fire, theft, storm damage, and other covered perils across every building in the district.
- Pupil Transportation / Fleet Auto — liability and physical damage coverage for buses and district vehicles, including drivers and routes.
- Cyber Liability — coverage for data breaches involving student and staff records, a growing exposure for every district.
- Fiduciary Liability — protects district officials who administer retirement and benefit plans from personal liability.
- Employee Benefits Liability — coverage for administrative errors in employee benefit programs.
- Sexual Abuse & Molestation Liability — a sensitive but essential coverage area for any organization serving minors.
- Workers’ Compensation Coordination — helping the district manage its Ohio BWC obligations alongside its broader insurance program.
Understanding Your District’s Obligations Under Ohio Law
Ohio law gives public school districts specific authority and responsibility around liability coverage and self-insurance for their boards, employees, and operations. Every district’s situation is a little different depending on funding, risk tolerance, and prior claims history. We’re not your district’s legal counsel, but we work alongside your treasurer, superintendent, and board to make sure your insurance program is structured appropriately — and we’re happy to coordinate directly with legal counsel where needed.
Why Districts Work With McBane
We already work with treasurers and boards across the Ohio Valley, so we understand the calendar you’re on, the reporting your board expects, and the level of responsiveness a public entity needs from its agent. We’re a phone call away — not a call center — and we’ll be there when it’s time for a claim, a renewal, or a board presentation.
Request a Coverage Review for Your District
Whether you’re preparing for a board meeting, coming up on renewal, or simply want a second opinion on your district’s current program, reach out to McBane Insurance. We’ll put together a proposal built around your district specifically.
