Educational Institution Insurance

Young student smiling in a classroom

Educational Institution Insurance Tailored to Your School

Your teachers and staff can have peace of mind with specialized coverages to help protect against unique education risks.
 
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Young student smiling in a classroom

Insurance Made for the Education Industry

We’re proud to protect some of the finest educational institutions in the country. Our team has been serving educational institutions, like schools and colleges, for more than 200 years. With such extensive experience, we understand the unique needs of your industry.
 
Our dedicated team of industry experts in underwriting, risk engineering and claims can work with your agent to create an educational institution insurance policy that works for you.
Education Coverage

Committed to Learning

We offer a full curriculum of coverage for your educational institution.
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Who Needs Educational Institution Insurance?

We can help protect a variety of educational institutions, including:
 
  • Charter schools
  • Private nonprofit schools for grades K-12
  • Private nonprofit colleges and universities
  • Trade and vocational schools

Educational Institution Agent and Broker Resources

From success stories to the type of schools we insure, our educational institution resources offer key information for agents and brokers.
Learn More

Specialized Property and Liability Coverage for Educational Institutions

Today’s educators face more risks than ever before. That’s why we offer specialized coverages to help protect your school, educators and staff.
 
We can help you reduce the risks that keep you up at night with our broad range of product offerings, including:
General Liability Choice® to help protect your school’s assets in lawsuits over negligence, personal injury, libel or slander. If you add an educators or college educators endorsement, it can help cover:
 
  • Medical malpractice
  • Medical payments for injured students and student athletes
  • Unexpected events that can happen during international travel
Educator’s Professional Choice® is a modular policy that makes it easy to put together the right coverages at the right price. Some coverages you can add to this policy include:
 
  • Directors, officers and entity liability (D&O) insurance to help protect your school’s directors’ and officers’ personal assets. This coverage can help protect them if they get sued for actions related to their job performance, like breach of duty, neglect, error, omission or misstatement.
  • Educators’ errors and omissions (E&O) insurance to help cover costs if your school gets sued for failing to deliver or adequately perform education-related functions.
  • Employment practices liability (EPL) coverage to help cover claims of discrimination, breach of employment contract, sexual harassment and other employment-related wrongful acts. This coverage can also help protect your institution from claims that it failed to grant tenure.
Property Choice® offers valuable optional additional coverages such as:
 
  • Athletic equipment – away from premises
  • Athletic/band uniforms and wardrobe – away from premises
  • Audio and visual equipment – away from premises
  • Emergency evacuation expenses
  • Fundraising expense reimbursement
  • Musical instruments and theatrical sets or scenery – away from premises
  • Student, patient and resident relocation and move-back expenses
  • Students' personal property
  • Workers’ compensation insurance helps your teachers and staff recover from a work-related injury or illness. Our programs can even help your employees get back to work faster.
  • Sexual abuse and molestation coverage gives an optional general liability endorsement to help cover claims of negligence related to sexual abuse or molestation.
  • Commercial auto insurance helps protect you and your employees on the road if you use school-owned cars for business purposes.
  • Crisis event coverage can help your school respond to tragic or violent acts that occur on campus. It can help pay for counseling, communication and other post-crisis costs.
  • Umbrella coverage helps increase your school’s protection if a covered claim exceeds the limits of your primary liability coverage. We offer this coverage worldwide.
  • Multinational Choice helps protect your school from losses and claims in over 200 foreign countries. Even if you don’t have a location outside the U.S. or employees traveling abroad, this coverage is important because regular business insurance policies may not cover claims in foreign countries.
  • Business Travel Accident (BTA) provides comprehensive accident protection to educational employees who travel for work, from across the street to around the world.
  • Participant Accident insurance is provided by an organization to cover groups like volunteers, participants, and students during sponsored events or activities which covers medical expenses incurred during those activities.

Are You a Small Continuing Education Institution?

Schools providing continuing education need special insurance coverage.
Learn About Insurance Needs
School bus driver

Identifying Risks Before They’re a Problem for Schools

Our risk engineering specialists provide education-specific services to help schools control losses. This includes workshops, conferences, podcasts and on-demand webinars.
 
Our services can help schools:
 
  • Prepare for emergencies
  • Prevent water damage
  • Protect security personnel
  • Improve bus driver safety
  • Reduce the likelihood of sports injuries and cyberbullying
  • Tighten up employment practices
  • Screen new hires more cost-efficiently
  • Reduce van rollovers

Exceptional Claims Service Dedicated to Educational Institutions

As one of the top workers’ compensation and employee benefits carriers, we know how to handle claims. 
 
Our claims specialists take a timely, proactive approach to help resolve claims and whenever possible:
 
  • Avoid court
  • Limit publicity
  • Contain financial costs
  • Assign experienced counsel

Unique Offerings for Larger Educational Institutions

Track Risk. Explore Opportunities. (TREO)SM

Our risk management information system is designed to simplify claims management and help lower loss costs.
 

ClaimPlus Team®

We have a team of professionals who work with each client’s operations and risk exposures.
Agent on the phone helping a school find insurance

Specialized Insurance

We support our customers by fully understanding their needs and risks. Work with your agent or broker to create a customized insurance policy with specialized coverage for your school.
 
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Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
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