Bei verstärktem mobilem Einsatz der Lerngeräte empfiehlt es sich, Versicherungen gegen Schäden, Verlust oder Diebstahl (ggf. Garantieverlängerungen) abzuschließen.

Many computer vendors provide accidental damage protection programs or extended warranty opportunities for the computers they sell to schools. These services can either supplant or supplement any insurance coverage the district already has in place for computer hardware. 

Experience shows that if the district chooses to own the computers, most risk insurance programs can provide districts with a policy rider that will cover the laptops. Parents will need to sign release forms prior to their students taking the laptops home since most homeowner policies will provide coverage for damage or loss.

Some school districts have established an insurance fee that parents pay for their child to use the laptop. For one-to-one initiatives, this fee is charged annually and should cover the costs for repair and/or replacement. Again, these fees and the insurance coverage should be developed with assistance from school finance personnel and school attorneys.

Because providing $800 - $1,500 laptops to children and making students and their families financially responsible can cause great concern to parents and because the computers must always be available if they are an integral part of the school day, extended warranties should be purchased and insurance plans should be required. Warranties only cover hardware failures that happen through normal use, and so an affordable way to insure the laptops should also be in place. Accidents happen. Computers (especially laptops) can be dropped, be damaged by liquids spilled on them, be lost, or be stolen. An insurance policy will soothe the concerns of both parents and school administrators about loss and accidental damage, but insurance policies do not cover intentional damage or negligence.