Hickman County Board of Education
Descriptor Term:
Descriptor Code:
Issued Date:
3.600
04/04/22
Insurance Management
Rescinds:
Issued:
3.600
01/06/20
1
General
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The insurance program shall provide coverages in a minimum of the following broad categories:
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1. Property: Buildings and contents against fire, extended coverage, vandalism and malicious
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mischief, boiler and machinery explosion, and vehicles;
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2. Liability: Board members, Director of Schools, and employees resulting from discharging their
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duties, and students participating in work-based learning;¹
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3. Workers' compensation; and
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4. Fidelity: Blanket bond and fiscal agent's bond as required by statute. 2
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The Director of Schools shall continually review the insurance program to ensure that adequate
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protection is being provided at a reasonable price.
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GROUP HEALTH
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The Board may provide group health insurance for all full-time employees.³ The Director of Schools,
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after consultation with personnel, shall recommend carriers of insurance for programs in which the
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Board makes partial or full payments. The Board shall approve all insurance carriers.
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The Director of Schools/designee shall develop procedures to ensure the privacy of HIPAA protected
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information.
4
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ANNUITIES⁵
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Board-approved companies for tax-sheltered annuities shall include all companies presently having
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contracts with employees.
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The addition of a company to the list of Board-approved companies shall be considered on written
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request of agents of the company.
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Written request for a change in annuity deductions shall be reported to the payroll office on or before
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the first day of the month in which such change is to be effective.
Version Date: April 6, 2022
Insurance Management
3.600
Legal References
Cross References
1. TCA 49-11-902
Payroll 2.802
2.
TCA 49-2-102; TCA 8-19-101 et seq.
Work-Based Learning 4.211
3. TCA 49-2-209
4. 45 CFR § 164.302 et seq.
5.
TCA 49-2-208
Page 2 of 2

## Table 1

|  | Hickman County Board of | Education |  |
| --- | --- | --- | --- |
|  | Descriptor Term: Insurance Management | Descriptor Code: 3.600 | Issued Date: 04/04/22 |
|  |  | Rescinds: 3.600 | Issued: 01/06/20 |