You are probably going to do your best buying laptop coverage from, say, whoever you got your homeowners insurance from or someone like that. BUT...at the price of laptops these days, weigh your options. A new screen will, indeed, cost more than the laptop probably. As far as service plans go...I never buy them for anything less than five hundred dollars and never for anything that I can fix myself. Not on cell phones, not on computer parts, etc. The reason is simply that it adds to the cost of your product. You can't say you paid six hundred dollars for your laptop if you bought an additional service warranty to cover it for $200 bucks. Laptops are the only things in the computer world that you cannot neccessarily work on yourself...you just cannot get the parts. They are almost like a throw away item. I guess the biggest reason is that they are usually configured into a specific platform...the case is usually the driving factor. Look at how many varieties there are. You just can't open a laptop and replace everything. The screen is going to be exclusive to that particular model of laptop. Not much demand for them because they are so expensive to replace and models fall out of the limelight quickly. You have to go through the manufacturer and hope that their supplier still makes that model for them. So, if it's not a bad ding...you may have to live with it. You could always make your co-worker pony up for damage...good luck.
