MN School Boards v. Employers Ins. of

**What happened:** Minnesota School Boards Association had a trust fund that provided insurance coverage and worked with Employers Insurance of Wausau as their reinsurance company. The school boards' trust canceled their reinsurance policy with Wausau effective April 1, 1994. Later, the trust sued Wausau, claiming the insurance company had broken their contract and should still provide coverage despite the cancellation. **What the court decided:** The Eighth Circuit Court of Appeals ruled in favor of Wausau. The court found that a jury had correctly determined that Wausau did not owe any coverage under the reinsurance policy because the trust had voluntarily and completely canceled the policy in 1994. Since the trust chose to end the contract, Wausau had no further obligations to provide coverage. **Why this matters for workers:** This case shows that when organizations cancel insurance policies, they cannot later claim coverage should still apply. For workers, this highlights the importance of understanding when employer-provided insurance coverage begins and ends. If an employer cancels insurance policies, workers may lose coverage and should be aware of these changes to ensure they have adequate protection for workplace injuries or other covered events.