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Board hears proposal for NEFEC professional liability coverage for mental‑health staff; Gallagher broker recommended
Summary
Attorney Sven Smith presented a professional liability insurance proposal brokered through Gallagher to cover mental‑health counselors and social workers; the policy was described as providing defense costs in addition to limits, with up to $1 million per claim and a $3 million aggregate.
Attorney Sven Smith presented the board with a professional liability insurance proposal intended to cover mental‑health counselors and social workers, noting the policy is brokered through Gallagher. Smith told the board he had reviewed options and that the Gallagher proposal offered coverage and broker support the district preferred; he said Gallagher would also serve as a consultant to help identify any policy gaps.
Board members asked whether defense costs are paid in addition to the policy limits. Smith said defense fees are covered and that the policy provides up to $1,000,000 per claim and a $3,000,000 aggregate over the policy term as presented. He said he had discussed the coverage in depth with Gallagher and that additional answers were available given Gallagher’s role as broker and consultant.
No formal board vote on a policy purchase was recorded during the workshop; the item was presented so the board could review the proposed coverage and ask technical questions. Smith said the district’s staff (Angelo O’Brien and Brandy Williams) had driven the initiative to secure coverage for therapists and social workers and that this insurance would cover a risk not previously insured by the district.
