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Board approves Gallagher property-insurance package after discussion of coverage gaps with state fund
Summary
The district approved property insurance with Gallagher citing broader coverage for turf and flood losses despite a higher deductible than the Alabama State Fund. Staff noted a recent West campus flood with an estimated shortfall of about $400,000 that influenced the decision.
The Vestavia Hills City Schools Board of Education on June 23, 2025, approved a property-insurance package with Gallagher after staff described coverage limitations with the Alabama State Fund and recent claims that influenced the decision.
Superintendent Todd Freeman and district finance staff explained the choice to move to Gallagher. The district’s prior coverage through the Alabama State Fund had a substantially lower deductible (reported as $10,000 under the State Fund versus $100,000 under Gallagher), but Freeman and staff said the State Fund’s coverage is more limited in scope and may not cover certain high-value items such as synthetic turf. Freeman cited a recent flood at a West campus caused by a sewer backup and estimated related repair costs that the district expects will total at least $400,000; staff said insurance under the State Fund may not fully reimburse that loss.
District finance staff and the superintendent said the Gallagher policy includes coverage for items and events that concerned the district (turf replacement, some flood-related losses) and that the overall premium, after removing an existing cybersecurity insurance item, was comparable to their prior expenditure. The board approved the recommendation by voice vote.
Ending: The district will implement the Gallagher property-insurance policy and risk-management staff will proceed with the transition; no specific premium or contract term was stated on the record beyond staff explanations.
