Sample Claims - Specialty Training Schools & Tutors
- General liability:
A student of the public speaking
school
slipped and fell in the school’s restroom. The resulting
injuries were a broken arm and sprained knee. The
student
filed a lawsuit against the school for pain and
suffering,
medical bills and rehabilitation expenses. The lawsuit
was
settled in the amount of $68,000 and $7,000 were paid in
defense expenses.
- Professional:
A mother claimed that the learning center
failed to render professional services in tutoring her
child for
the SAT’s he is now unable to get into the college he
wanted
to attend. The parents brought a lawsuit against the
school
for the cost to hire a special tutor and a refund of
their money
paid to the learning center. The claim was settled in
the
amount of $10,000.
- Abuse or molestation:
A student attending a dance school
brought a lawsuit against the school alleging negligent
hiring
of an instructor who improperly touched her during a
lesson.
Attorneys were hired to defend the school. The case was
dismissed after no negligence was found on the part of
the
school. Defense costs were paid in the amount of
$35,000.
u Medical payments: A student at a modeling school
tripped
and injured herself. She cut her leg and required
stitches.
Her medical bills were $2,500. Although there was no
negligence on the part of the school, she was reimbursed
the
$2,500 for her medical bills under the medical payments
coverage.
- Property:
A fire began at the insured’s premises when an
employee of the computer instruction school plugged in
the
computers. The fire caused $80,000 in building damage
along with $36,000 in damages to business personal
property. While the damages were being repaired, the
computer instruction school had to shut down for two
months. This resulted in a business income loss of
$15,000
along with $10,000 in extra expenses to get the school
up
and running again. The entire loss came to $141,000 in
damages and the claim was settled for the insured’s
damages.
- Equipment breakdown:
An on premises power outage
occurred causing the insured’s freezer to shut down and
the
food in the freezer to spoil. An equipment breakdown
claim
was made for the $5,000 of spoiled food. A claim was
presented and the insured was reimbursed for their loss.
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See Also:
*NOTE:
Sample claims may be based on real cases or fictional examples and no
coverage is guaranteed or afforded by any information provided on this
page or this website. Your policy may or may not have any of the
coverages shown in this sample. Policies vary based on terms, coverages,
conditions, and exclusions Please check with your state and local jurisdiction for
rules on operating a business. Coverage options vary by business,
location, and are all subject to underwriting approval. The information is purely for
educational purposes and not quoted from any legal source. This document
does not amend, extend or alter the coverage afforded by the policy. For
a complete under standing of any insurance you purchase, you must read
your Policy, Declarations Page and any Endorsements, and discuss them
with your broker. Your actual policy terms and conditions may be amended
by Endorsement or affected by state laws.
Contact us
today for more information on obtaining a quote.
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Quote:
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Number for quotes in over 30 states)
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