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
  • 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