Insurance Built for Ohio School Districts

We’re proud to already serve school districts like United Local School District, as well as public entities such as the City of Heath. 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.

As an independent agency, we’re not selling a single insurer’s package. We shop your district’s risk across multiple carriers that understand Ohio public education and bring back a program that fits your budget and your board’s obligations.

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.