Membership Benefits

NYSIR value-added benefits include:

• Enhanced control over budget, coverage terms and conditions
• Comprehensive school-focused coverage
• Long-term stabilized premiums
• Strenuous defense against frivolous claims and savings of millions of dollars in unwarranted payouts
• Safety and risk management services
• Safety seminars
• Certificates of insurance
• Hold-harmless agreements
• Annual district inspections
• No separate deductibles for windstorm losses
• No deductible or self-insured retention limits for NYSIR Commercial General Liability and Commercial Automobile Liability policies
• Endorsed coverage for sexual misconduct
• Replacement cost valuation for school buses up to 10 years old with purchase of Comprehensive and Collision coverage
• Excess catastrophe liability program with per-occurrence limits up to $25 million and no general aggregate
• Commercial General Liability extended to include school board members, employees (including staff nurses and doctors) and authorized volunteers
• 24/7 proactive monitoring of 19A certified drivers
• Standard terrorism coverage
• An extended history of A (Excellent) ratings from A.M. Best

Read more about the NYSIR Advantage