• Employee Resources
  • Language
  • Risk Management = Claims Management
  • Risk Management = Safety Management

    Safety on the playground, and helping to protect students from injury, require planning, thought, training, and deliberate action.

  • Risk Management = Safer Schools

    School risk management is more than insurance – its understanding and managing the dynamic nature of risks in schools.


Department Contact

Risk Management

The Risk Mangement Department administers insurance and self-insurance programs, claims management, accident investigations, safety and litigation management. 



Katie Van Horn                         

Risk Manager                                

(303)387-0030 - direct office             

(303)387-0112 - fax    

Debbie Warren

Secretary to Risk

(303)387-0036 - direct line

(303)387-0112 - fax















Wilcox Building
620 Wilcox Street
Castle Rock, CO 80104
Phone: 303-387-0030
Fax: 303-387-0112


The mission of Douglas County School District’s Risk Management Division is the preservation of the District’s human capital, physical resources, and financial assets.  The Risk Management Division will manage a comprehensive program that contributes to the overall health, safety, and protection of employees, students, and visitors.


Risk Management is the process of minimizing the adverse effects of accidental losses.  This process is accomplished through risk management programs that transfer, reduce, mitigate or allow acceptable levels of risk to the District.  These programs are implemented through collaborative efforts with all departments and school sites.  To achieve effective implementation, all employees of the District have a responsibility to actively support risk management initiatives, programs, policies, and procedures.


Student Insurance

Our Student Insurance products protect thousands of kids from the bumps and bruises of growing up. Various K12 Accident and Health Plans are available through your school:

  • At-School Accident Only
  • 24-Hour Accident Only
  • Extended Dental
  • Football

For further details of the coverage including costs, benefits, exclusions, any reductions or limitations and the terms under which the policy may be continued in force, please refer to

Enroll Now

How to Enroll
Enrolling online is easy and only takes a few minutes.

Go to and click the “Enroll Now” button.

Enrollment Process

  1. Start by telling us the name of the school district and state where your child attends school.
  2. We’ll request each student’s name and grade level.
  3. You’ll see the available plans and their rates. Select your coverage and continue to the next step.
  4. We’ll request your contact information.
  5. Next, you’ll enter information about the child or children to be covered.
  6. Enter your credit card or eCheck payment information.
  7. Finally, print out a copy of the confirmation for your records.

Frequently Asked Questions

These are some of the questions that we recieve most often.

Q. Am I protected from liability while doing my job?

A. As a District employee, you are covered by the District's liability insurance program against civil liability claims as long as you are acting within the scope of your duties. Similar to other Governmental Entities, the School District has immunity from most lawsuits under the terms of the Colorado Governmental Immunity Act.

Q. Does the District pay the medical costs when a student gets hurt at school?

A. The District does not purchase, or have in place, any medical insurance to cover injuries to students, whether incurred at school or while on activity trips. Parents are responsible for providing medical insurance coverage for their children. Insurance coverage underwritten by K&K Insurance Company can be purchased by parents for students at