Educational Institution Insurance

Educational Institutions

Educational Institution Insurance Specialized for Your School

With specialized coverages to help protect against unique education risks, your teachers and staff can have peace of mind knowing we’ve got their backs.
Educational Institutions

Insurance Made for the Education Industry

We’re proud to protect some of the finest educational institutions in the country. Our extensive experience makes us experts in addressing the unique needs in your industry. Our team has been serving educational institutions, like schools and colleges, for more than 200 years.
We have a dedicated team of industry experts in underwriting, risk engineering and claims who can work with your agent to create an educational institution insurance policy that addresses your unique needs.

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

Are You a Small Continuing Education Institution?

Schools providing continuing education need special insurance coverage.
Education Coverage

Committed to Learning

We offer a full curriculum of coverage for your educational institution.

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 happen during international travel
Our Educator’s Professional Choice,® 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, which helps 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.
Sexual abuse and molestation coverage, which gives an optional general liability endorsement to help cover claims of negligence related to sexual abuse or molestation.
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 to help your teachers and staff recover from a work-related injury or illness. Our programs can even help your employees get back to work faster.
Commercial auto insurance to help 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 to help increase your school’s protection if a covered claim exceeds the limits of your primary liability coverage. We offer this coverage worldwide, with limits up to $25 million.
Multinational Choice, which helps protect your school from losses and claims in over 200 foreign countries.
Even if you don’t have a location outside the US or employees traveling abroad, this coverage is important because regular business insurance policies may not cover claims in foreign countries.

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 group benefits carriers, we know how to handle claims. Over the last five years, we’ve handled about 95,000 education claims and paid $494 million.
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 designed to simplify claims management and help lower loss costs.

ClaimPlus Team®

A team of professionals who work with each client’s operations and risk exposures
Educational institutions specialized support

Specialized Insurance

We make it our business to figure out how to best support our customers. That means fully understanding their needs and risks. Work with your agent or broker to create a customized insurance policy with specialized coverage for your school.
Find an Agent or Broker

Why The Hartford

200+ years
financial strength
Ethisphere award
1 Financial ratings as of December 31, 2019.
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 Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
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