Higher Education Insurance

Your students’ wellbeing while they are on campus can be jeopardized by catastrophic and unpredictable events, such as violence from active shooters or physical altercations, medical or natural disasters, injuries from athletic or group activities and sorority or fraternity hazing incidents. We can provide critical insurance coverage for your assets and people, including property conservation, habitational safety, campus safety, cyber security, travel risk and business resiliency. Beyond arranging protection to support your institution after an incident has occurred, our risk services team can help you develop a plan to reduce the risk of incidents from happening in the first place.

Natural disasters, severe weather and acts of violence can wreak havoc on your campus and cause major disruptions to your school’s operations. Organizational resilience is key to being able to manage through a crisis and return to normal as soon as possible. Our crisis management specialists can help ensure that you have the right training and plans in place so that your school is prepared for and can respond to a catastrophic event.

Educational institutions are not immune to the risk of occupational fraud—and it can pose a very real threat to your school’s finances. Being adequately covered against asset misappropriation, corruption, funds transfer or financial statement fraud is crucial to keeping your school operating smoothly. We can help you determine where the gaps are in your insurance coverage to ensure that you have the crime and fraud protection that you need.

Beyond traditional property and casualty exposures faced by higher educational institutions, the increased adoption of online learning and digital transactions has introduced new risks and challenges, including cybersecurity, academic integrity and payment card industry (PCI) data security. Our experienced cyber insurance professionals have specialty expertise that can help determine if you are adequately insured against cybersecurity risks.

Whether students are studying abroad or traveling internationally to support their academic program, your institution needs to keep them safe and secure when they are in another country. Our risk services experts can help you plan for medical incidents, natural disasters and security events while your group is traveling internationally and provide crisis management resources when you need them most. Your tailored higher education insurance solution will be paired with comprehensive travel risk management.

Educational institution insurance should also address the risk of damage to fine art, rare books and manuscripts, collectibles and similar objects on loan from other institutions. Our fine arts team specializes in identifying coverage that’s more appropriate than ordinary property insurance. Through our relationships with fine art appraisers, packers, and conservators, we can help insure your prized collections to value and safeguard your treasures for future generations.

Even though laboratories and other technical facilities on campuses generally have strict policies and procedures in place, mistakes can happen and result in devastating losses. From maintaining safe and clean work environments, to protecting against human error, our team can help identify your risk exposures and find the right higher education insurance to protect your facility, students and faculty.

Sexual misconduct claims can be both expensive and damaging for everyone involved. Higher education institutions face both reputational and financial risks associated with allegations of abuse, molestation and exploitation. With the expansion of victims’ rights statutes in many states, schools that serve youth and people with disabilities are increasingly exposed to risk. We can help you secure sexual misconduct liability insurance and recommend strategies to avoid and reduce risk, ensuring that you are better able to protect your staff and students.

Building code violations. Fire hazards. Facility security. The exposures for your property and facilities are numerous and can put your campus at serious risk. We can help with property audits and inspections, fire protection engineering, loss investigations and more to make sure that your property risks are addressed. We will work with you to build a tailored property risk management plan that includes the coverage you need to operate successfully.

Noncompliance with standard industry regulations can impact your ability to operate your school effectively. Our team of higher education specialists will work with you to identify potential risk exposures and develop a program with policies and procedures to ensure that you comply with federal regulations, including HIPAA (Health Insurance Portability and Accountability Act), Family Educational Rights and Privacy Act (FERPA), Title IX and The Clery Act (The Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act). We will provide best practice assessments by reviewing existing activities and recommending action plans for improvement.

With nearly three million fatal and nonfatal workplace injuries each year, it is important that all organizations have a well-developed safety program to protect their employees, reduce losses and control costs. In addition to following best practices and industry regulations, you need to ensure that you have consistent efforts from employees to maintain safe work procedures and a plan to respond to and protect your business when accidents do happen. We can help you develop a comprehensive workplace safety program that includes training and best practice assessments.

Travelling to and from student and athletic events can lead to unforeseen transportation liabilities. Whether you are transporting groups of students in vans or buses, or using a staff member’s personal vehicle, you need to ensure that your school has the right auto insurance coverage. Additionally, employing effective organizational policies and procedures for transportation can help reduce risk and promote vehicle safety. We can help. Our team can advise on auto use policies, driver training programs, telematics and fleet maintenance guidelines.

Higher education institutions must have threat assessment protocols in place to respond more effectively to situations where students may pose a threat to themselves or others. These protocols outline how a school assesses and responds to threatening incidents such as possession of a weapon, a bomb threat, verbal or written (including electronic) threats to harm oneself or others and arson. Our risk services team has specialty higher education knowledge and experience to provide a comprehensive approach to violence threat risk assessment and management.