Business Insurance Solutions for Educators
Protecting Those Who Shape The Future:
Our Education Division specializes in comprehensive Business Insurance solutions tailored to the unique needs of educators and educational institutions. Whether you’re a small preschool or a large university, we understand your challenges—and we’re here to help.
Any Educator. Every State
And so many more…
Educators Have Unique Challenges…
You see challenges; we see opportunities… Tell us your challenge; we will find solutions that save money.
We Specialize in Business Insurance for Educators
Workers’ Compensation
Educators face complex challenges managing claims and safety across multiple departments–that’s where we come in. We simplify Workers’ Compensation with claims advocacy, E-MOD protection strategies, and safety programs tailored for educators.
E-MOD Restore & Defend
Education-Specific Safety Resources
Claims Advocacy
Proactive Renewal to ensure you are saving money
General Liability
Protects the institution against claims of bodily injury or property damage that occur on its premises or due to its general operations, excluding professional instructional activities or specific student/employee interactions. Examples include a visitor slipping on a wet floor, a non-student guest being injured during an event, or property damage caused by a school-sponsored activity off-campus (e.g., a field trip, but not related to professional instruction).
Commercial Auto
Covers vehicles owned by the educational institution (e.g., school buses, vans for athletic teams, facilities maintenance vehicles). It provides coverage for bodily injury and property damage you cause to others in an accident, as well as damage to your own vehicles, and medical payments for occupants, depending on the specific coverages purchased.
Hired/Non-Owned Auto (HNOA):
This crucial add-on or specific coverage within Commercial Auto extends liability protection for vehicles your institution does not own but uses for business purposes.
Commercial Property
Covers the physical assets of the educational institution, including academic buildings, dormitories, administrative offices, athletic facilities, libraries, classrooms, equipment (e.g., computers, lab instruments), books, and supplies, against perils like fire, theft, vandalism, and natural disasters. It covers the cost to repair or replace damaged property.
Professional Liability
For educational institutions, this covers claims alleging negligence, errors, or omissions in the professional services provided, such as teaching, counseling, advising, and administrative duties. This could include claims arising from curriculum design flaws, negligent supervision (not covered by general liability for students), improper student placement, or inadequate counseling that leads to harm. It protects against financial loss due to alleged professional mistakes.
Also called “Errors and Omissions” insurance, Professional Liability provides important coverages for:
Whether you are currently carrying a Professional Liability policy or not, it’s important to understand the coverages provided and how it can be utilized in your business.
Employment Practices Liability
What is Employment Practices Liability Insurance (EPLI)?
EPLI protects the institution against claims made by current, former, or prospective employees (faculty, staff, administrators) alleging wrongful acts related to their employment. Examples include:
Abuse & Molestation Insurance
Provides coverage for claims alleging sexual abuse or physical molestation perpetrated by an employee, volunteer, or agent of the educational institution (e.g., teachers, coaches, dorm supervisors).
This is critically important for schools given their responsibility for the safety and well-being of students, particularly minors. It covers legal defense costs and damages.
Management Liability
What is Management Liability?
This is an overarching category that typically combines several coverages for an institution’s leadership and governing body.
Directors & Officers (D&O)
Protects the personal assets of an institution’s board members, trustees, and senior administrators from lawsuits alleging “wrongful acts” in their management capacity (e.g., breach of fiduciary duty, financial mismanagement, misrepresentation, regulatory non-compliance in areas like Title IX, FERPA, or accreditation).
Other Types of Management Liability Insurance
Crime Insurance
What is Crime Insurance?
Protects the educational institution from financial losses due to various criminal acts.
Some Criminal Acts Covered by Crime Insurance
Employee Benefits Liability
What is Employee Benefits Liability (EBL)?
EBL protects the Institution from out-of-pocket expenses arising from errors or omissions in the administration of employee benefits programs, including health, life, disability, retirement, and many other benefits.
Examples of Covered Benefits Errors
Why is this important for Educators?
If you are providing any level of employee benefits at your Institution, errors are often unavoidable. To prevent large out-of-pocket expenses, EBL coverage can help protect your Institution.
Excess/Umbrella Liability
What is umbrella or excess liability coverage?
Why do Educators need this coverage?
Cyber
Since the pandemic, the insurance industry has seen a significant increase in frequency of claims on Cyber Insurance policies.
Whether Business Email Compromise, Ransomware, or Electronic Funds Transfer fraud, it’s more important than ever that you cover not just your own sensitive information, but that of your customers.
The two main segments of Cyber Insurance are:
First Party Cyber Insurance
Third Party Cyber Insurance
Have you looked into Cyber coverage in the past? Let us help you craft the perfect coverages for your growing business.
Start customizing your Business Insurance
Let our Education Division customize your Business Insurance to meet your needs.