Insurance Coverage

CCISD 1:1 Laptop Optional Insurance Program

In order for the Clear Creek Independent School District to provide operational computers to students, the District utilizes a self-funded insurance pool to provide insurance coverage for most types of accidental damage to or theft of the laptop.

Parents/guardians may opt into this program through a $20.00 annual, non-refundable, payment per year. This insurance program is offered to parents/guardians of students who are issued district laptops/devices that may be taken home for educational purposes. Financial aid is available for eligible students who receive free or reduced lunch. If a parent/guardian purchases insurance for their student’s laptop at the time of completing Back to School forms or upon district enrollment, the parent/guardian will not be liable for the replacement or repair cost of the device in the event of accidental damage or theft during the school year. Optional insurance does not cover loss or negligence.

Effective Coverage Date and Expiration

Effective coverage date begins at the first day of payment. Expiration coverage date is the official first day of next school year. Insurance may be purchased at any time throughout the school year. Damage incurred prior to the insurance purchase date is not covered.

Coverage Details

• Accidental damage: Covers damages that impair the performance or operation of the device caused by non-intentional liquid spills in or on the unit, drops, falls, collisions, and any other unintentional event.
• Theft: Covers loss due to theft. In the event of theft, a police report must be filed with campus administration within 3 business days.
• Fire: Covers loss or damages caused by fire. In the event of a fire, the claim must contain an official fire report from authorities.
• Electrical: Covers damages caused by electrical surges.
• Natural Disaster: Covers loss or damages in the event of a natural disaster.

Coverage Exclusions

• Dishonest, Fraudulent, Intentional, or Criminal Acts: Coverage is not provided if damage or loss occurs in conjunction with a dishonest, fraudulent, intentional, negligent, or criminal act.
• Protected Case Removal: Coverage is not provided if the case is intentionally damaged or if the school-provided or district-approved case for laptop computers has been removed. Removing the school-provided or district-approved case is prohibited.
• Unapproved Use: Damage caused by use of or installation of non-approved applications, non-approved software, alteration or modification of product in any way, and non-approved accessories which alter the manufacturer’s warranty.
• Abuse and Negligent damage: Damage caused by abuse, misuse, neglect, or improper usage of the device outside the permitted or intended use described in the Parent/Student Information Guide.
• Loss: Loss of a district-provided device is considered negligence and is not covered.
• Charger and Case: Insurance does not cover the charging cable, charging adapter or laptop case. There will be a $40 Fee for replacement for each of these accessories.
• Bio-Hazard: Damage as a result of exposure to bio-hazardous materials (blood, urine, vomit; human or animal)
• Unauthorized User: Damage caused by anyone who is not a representative of CCISD or by loaning the laptop or charger to another student.

Parents/guardians who choose not to participate in the insurance program WILL be held financially liable for the total cost of repairs or the total cost to replace the device in the event of accidental damage, loss, or theft. There is no insurance coverage for intentional damage, neglect or misuse.

 

Device Repair Cost Matrix

Scenario	Cost with Insurance	Cost without Insurance
DAMAGED DEVICE	$0	Cost of repairs up to $450
STOLEN DEVICE + POLICE REPORT	$0	$100
LOST/DAMAGED CHARGER	$40	$40
LOST/DAMAGED CASE	$40	$40
LOST DEVICE	$450	$450

 

Accidental Part Damage	Cost with Insurance	Cost without Insurance
SCREEN/DIGITIZER/TOP ASSEMBLY	$0	$400
KEYBOARD	$0	$60
BATTERY	$0	$80
SOLID STATE DRIVE	$0	$150
TOUCHPAD	$0	$35
CHARGE PORT	$0	$35
BOTTOM ASSEMBLY	$0	$65
AUDIO BOARD	$0	$30

 

Damage Descriptions and Included Components

DESCRIPTION	BILL CODE	INCLUDED COMPONENTS
Tech. Damaged Device	TIDevRep
Tech. Stolen Device + Police Report	TLosNIP
Tech. Lost/Damaged Case	Tcase
Tech. Lost/Damaged Charger	Tcharger
Tech. Lost Device	TLosNP
Tech. Screen/Digitizer/Top Assembly	TscDiTAs	Display, LCD, Digitizer, & Enclosure with Hinges
Tech. Keyboard	TKB	Keyboard/ Top Cover
Tech. Battery	TBattery
Teach. Solid State Drive	TSSDr
Tech. Touchpad	Ttouchpd
Tech. Charge Port	TChargeP	Charger Port/ Cable Kit
Tech. Bottom Assembly	TBottomA
Tech. Audio Board	TAudioB	Audio Board/ Headphone Jack/Power Button