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Board urged to keep physical-damage coverage for $8,000 school drone
Summary
District staff recommended maintaining physical-damage aviation coverage for an $8,000 drone assigned to Homeville High School, arguing replacement costs would otherwise fall to the district; removing the coverage would reduce the combined renewal premium only slightly.
During the excess-liability renewal discussion, Gallagher presenters reviewed aviation coverage for a newly acquired drone and recommended retaining physical-damage protection. Staff said the drone—acquired by Homeville High School—costs $8,000 and that, without physical-damage coverage, the district would bear the full replacement cost if the drone were damaged.
"It's a $8,000 drone," staff noted when asked about the unit price. Presenters recommended keeping the aviation physical-damage coverage as part of the Old Republic package; they said dropping the physical-damage portion would slightly reduce the combined renewal premium but leave the district exposed to out-of-pocket replacement costs.
The committee discussed whether to bundle aviation coverage with other lines for the board vote or split it as a separate agenda item on Wednesday; presenters said historically those items had been bundled but staff confirmed they could split the item if the board preferred.
