Coverage

MUSIC members take part in a comprehensive coverage plan designed specifically for public school districts, community colleges, and educational organizations in the state of Missouri.

The MUSIC coverage plan includes:

• Buildings
• Contents
• Boiler and Machinery
• Inland Marine
• Automobile
• Crime
• General Liability
• Miscellaneous Medical Malpractice
• School Board Liability
• Employment Practices Liability
• Special Education Due Process
• Workers’ Compensation
• Cyber Liability
• Treasurer’s Bonds
• Special Events
• Notary Bonds

Extra liability limits from a group purchase umbrella program and a cyber protection program are also available.

Additional Benefits/Special Services Included at no extra charge

• Building Appraisals
• Board Policy Service
• Loss Control Services
• Legal Seminars and Workshops
• Workers’ compensation managed care network and nurses
• Dedicated claims staff working only on MUSIC claims
• Monthly loss runs
• Quarterly newsletter