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As the situation in Ukraine evolves, businesses should be mindful of potential risks to their people, assets, operations, or supply chains in the region and globally. Marsh, as part of the Marsh McLennan family of companies, has created a page with information, tools, and resources related to the Russia-Ukraine conflict. Please visit the page for the latest information.

Minnesota - Minnesota School Boards Association Insurance Trust (MSBAIT)

Marsh & McLennan Agency is proud to work with the Minnesota School Boards Association Insurance Trust (MSBAIT) to provide Minnesota schools with the access and resources they need to help keep themselves, their people and their students safe.

The Advanced Protection Plan coverages are specifically designed to meet the needs of Minnesota schools. These coverages match up with the partner carriers in the MSBAIT program and ensure that schools are not paying for coverage they do not need or that is duplicated. MMA understands the coverages you already have and can help you supplement where needed. Our Advance Protection Programs include:

Cyber/Data Breach

School Districts are the third most targeted entity for cyber/data breaches, due to the multiple protected records a district holds, such as protected health information (PHI), personally identifiable information (PII) and protected credit information (PCI). This policy meets statutory limits required for schools. It gives you the coverage you need without paying for more than you need. 


They are Unmanned Aircraft Systems (UAS) that are excluded under aircraft exclusions for the majority of possible events in property and liability coverage. This coverage is designed to allow schools to be at the cutting edge of curriculum development, to use drones in facility management programming and more, without creating additional exposure. Coverage for someone using their own drone on district property at the school district’s request can also be covered. For example, in situations where Community Education offers a drone class where the instructor brings in his or her drone to use in class. 


International Travel

Travel outside the U.S., Canada and Puerto Rico is usually not covered under typical package policies. The “trip insurance” that travel agents sell is usually only for a cancellation or change in the trip itinerary, it does not cover liability or workers’ compensation should staff be injured. 

Examples of non-coverage include: staff injured while overseas on the school sponsored trip, student caused damage to a hotel or other property, kidnapping and ransom, medical evacuation, and host family liability.


Tenants User Liability Program (TULIP)

Coverage for when school buildings are used for non-school purposes by an outside group such as: school reunions, PTO meetings, Scouts, youth athletics and family reunions and the group does not have its own coverage. A school district’s policy will be required to pay in cases when the outside group does not have coverage or enough coverage. Depending on the loss, the district’s insurance premiums could rise or the policy may not be renewed, which is a high risk to take. 

A TULIP policy protects the district from someone not having proper coverage and creating a large exposure for the district. This Advance Protection Plan makes coverage easily attainable, and ensures that limits are set at the proper statutory amounts to protect the district.


Electronic Device Protection

Coverage that protect a district's technology investment is critical. From cracked Chromebook and iPad screens, to liquid damage and theft, you can avoid costly repairs and replacements with this specialized coverage. Get peace of mind coverage and minimize the burden of maintaining your district's technology program. Plus, improve the efficiency of your 1:1 initiative or BYOD program by safeguarding devices.