(UPDATED, 10:21 a.m. Friday, with comment on Boise’s insurance premiums, and clarification on the district’s insurance carrier.)

The Boise School District’s insurance company will pay $2 million toward a series of sexual abuse settlements — and no more.

This is why the district will pay out $5 million for the settlements. And it suggests the district might be entirely on the hook for any future claims involving former special education aide Gavin Snow.

The Boise district answered some questions about the $7 million settlements Thursday — two days after announcing that it had closed seven tort claims directly or indirectly tied to Snow. The former aide at Cynthia Mann and Valley View elementary schools died by suicide on Jan. 10, as Boise police attempted to arrest him on child sexual abuse charges.

Idaho Education News submitted a series of followup questions Tuesday. Here’s what we learned Thursday:

How does the insurance claim shake out? The district confirmed that its insurance carrier, Obsidian Specialty Insurance, will pay only $2 million on Snow-related claims.

Boise’s insurance policy sets a general liability limit of $2 million per occurrence, and a wrongful act liability limit of $2 million per act, according to a summary, obtained by EdNews, through a public records request.

This would suggest that Obsidian considers the claims against Snow to be a single occurrence, regardless of the number of claims.

And if Obsidian “has determined that its liability for this matter is capped at $2 million,” as district spokesman Dan Hollar said Thursday, the district could have to pay any future settlements solo.

The district’s insurance broker, Moreton & Company, did not respond to requests for comment Thursday. Obsidian did not immediately respond to a request for comment Friday morning.

Where will Boise get its share? On Tuesday, the district said it will get its $5 million, or at least some of it, by reducing payments to a plant facilities fund. The district shed more light on its funding plan Thursday.

The plant facilities fund sat at nearly $15.8 million on June 30, the end of the 2024-25 budget year. This money, and an additional $3 million from this year’s general fund, will still go towards facilities and maintenance projects.

“We have prioritized projects that require immediate attention, and those projects will continue as scheduled,” Hollar said.

However, the district won’t add any new projects to its to-do list this year. They will have to wait for another year.

So what about Boise’s property tax increase? In September, Boise trustees approved an 18% property tax increase, generating $30.4 million for a budget approved in June. EdNews asked if the property tax increase is related to the settlements.

As EdNews reported previously, $2.2 million of this $30.4 million property tax increase is going toward facilities needs, such as safety and accessibility issues. This is unrelated to the $3 million general fund line item for facilities, Hollar said in an email Thursday afternoon.

Meanwhile, the district will use $1.2 million from the property taxes to cover property and liability insurance premiums, which have more than doubled since 2019-20. In an email Friday, Hollar said the settlements have not caused an increase in Boise’s insurance premiums.

“Property and liability insurance costs have been rising steadily since 2020 across Idaho and nationally due to factors such as increasing property values and significant increases in reinsurance costs for carriers,” he said. “This trend has impacted many school districts and public entities throughout the state.”

Do the settlements cover every Snow-related claim? Almost. One tort claim remains outstanding.

Marianne Baker, a former Valley View teacher, said she filed a mandatory report against Snow, and then was placed on administrative leave, without due process, and ultimately forced to resign. She filed a $1 million claim on Nov. 13.

The district appears poised to fight this claim, saying Baker was never denied due process, and was not forced to resign.

Meanwhile, Baker faces a misdemeanor charge of failing to report abuse or neglect, Idaho News 6 reported this week. The charge stems from allegations of in-school misconduct involving Snow, dating back to late 2024. A trial is set for January, Idaho News 6 reported.

As the settlements go out, who gets what? That’s going to vary.

One settlement has already been approved in court, totaling nearly $2.8 million.

That leaves $4.2 million for the remaining six settlements.

So the payouts will differ — but by the same token, the seven tort claims alleged damages that went from a low of $500,000 to a high of $50 million.

The district says it will announce the remaining settlements after court approval.