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Coverage Program

Lower claims frequency translates into lower insurance costs.


SAIF offers its members the following insurance coverages:

  • Workers’ Compensation 

  • Supplemental Workers' Compensation

  • Property 

  • General Liability 

  • Auto Liability and Physical Damage 

  • Crime and Fidelity

  • Cyber Liability 

  • Boiler and Machinery 

  • School Leaders Liability 

  • Environmental Impairment Liability

  • Excess Liability 

  • Student Accident Coverages 

  • Security Guard Coverage

  • International Travel Program


SAIF members may select individual coverages.

A Risk Management Plan approved by the Department lists the coverages offered to members. The Fund self-insures some coverages and purchases reinsurance for many excess losses. Some coverages are group purchased from insurance carriers.

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