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



Department Contact

Risk Management

Kate Van Horn
Risk Manager

Debbie Warren
Secretary to the Manager







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


Our Vision

In executing our duties on behalf of Douglas County School District, The Office of Risk Management (ORM) subscribes to the following precepts:

  1. Government owes the highest level of ethics in all of its dealings.
  2. Government programs should always strive to be the "Best in Class"; that is, that they should set the standard to which private industry and society at large should aspire.
  3. The School District has been entrusted with the public's assets such as their schools.  It has the duty to balance access to these assets with preserving them for future generations.
  4. The School District has undertaken programs for the betterment of society. These programs must be administered in a manner consistent with the highest ethical commitments and with constant vigilance both to the program's intent and the public's resources.

Our Mission

The Office of Risk Management (ORM) is vested with addressing those issues that put either our students, the employees who serve those students or the assets of Douglas County School District at risk. The ORM’s mission is to ensure the continuity of education by addressing those events that could interrupt or denigrate the quality of education that we at the School District and the public at large have committed to our children.

Education – intellectual growth, leadership and greatness occurs when our educators take our children beyond their comfort zone and challenge them to go beyond their perceived limitations.  The ORM seeks to ensure that educational opportunities are realized by addressing the risks that could interfere with those opportunities.  The ORM does not seek to eliminate risk, but rather to manage it and to maximize opportunities. 

As President John Kennedy said, "There are risks and costs to a program of action.  But they are far less than the long-range risks and costs of comfortable inaction.”

What We Do

The Office of Risk Management serves Douglas County School District by:

  • Identifying the potential harm to our students, employees and the potential loss of School District assets;
  • Providing active leadership in managing risk of injury or loss of property;
  • Determining and providing the most cost effective methods of dealing with risk, including:
  • absorbing
  • managing or
  • transferring the cost of loss or injury;
  • Ensuring cost effective administration of claims while maintaining the highest ethical standards in the loss claims industry; and,
  • Promoting proper stewardship of the School District’s assets and safety by developing protocols and initiatives.


DCSD encourages kids to walk or bike to school, because it: 

  • Develops healthy habits
  • Helps reduce traffic congestion at schools
  • Improves the environment
  • Is Fun!

Student safety is our first priority, including when students are on their way to and from school. We encourage students to walk or ride in groups and to use safe routes.

Below, you will find maps of safe walking routes for your children to take on their way to and from school:

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