The District has a broad and complex blanket of property insurance coverage of all 5 campuses and support facilities, which have an insured value of almost $100 million.

The District provides the following insurance coverage:

Automobile Liability
Crime
Educator Liability
General Liability
Property (includes named wind-storm)
Student Accident
Unemployment
Worker's Compensation

Various additional casualty coverages


The District contracts with the following vendors for related coverages:

Property & Casualty (USI Southwest)
Student Insurance (Texas Kids First)
Unemployment Insurance (TASB Risk Management Fund)
Worker's Compensation (School Comp)

Public school districts are immune for bodily injury to students and the public (except for limited liability for negligent operation and use of a motorized vehicle) as provided in the Texas Tort Claims Act § 101.021 and §101.051.

Since some parents or guardians may not have medical coverage for their children, the District offers a low-cost student accident insurance coverage plan through Texas Kids First (effective July 1, 2009). Enrollment forms are available through the athletic trainer.

Campus principals should always secure a certificate of insurance (with SMSD named as an additional insured), contract (reviewed by Business Manager), and any necessary waivers/releases during the planning period for a special activity and/or event with a vendor.

Stafford MSD utilizes a third-party interlocal contract with the Texas Association of School Boards (TASB) for administration of unemployment claims and attendance at dispute hearings before the Texas Workforce Commission (TWC).