Educational Institution Insurance

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Smarter Coverage for Today’s Education

From classrooms to campuses, The Hartford delivers a full curriculum of coverage to help educational institutions manage risk with confidence and focus on exceptional learning experiences.
 
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Coverage Rooted in History, Designed for Tomorrow

For more than 200 years, The Hartford has partnered with schools, colleges and other educational institutions across the United States, writing the book on education risk along the way.
 
With a clear appetite for complex education risks and deep industry knowledge, we offer smart, specialized coverage that supports the whole school and the whole student.

Safeguarding Schools, Empowering Education

Since 1825, The Hartford has insured schools, writing the first fire insurance policy for Yale College (now Yale University). Today, we serve:
  • Charter schools
  • Private nonprofit schools for grades K-12
  • Private nonprofit colleges and universities
  • Trade and vocational schools

Specialized Property and Liability Coverage for Educational Institutions

Today’s education risks are evolving, from safety and security to mental health and operational complexity. Our coverage is designed to keep pace, with flexible options that support schools now and into the future, including:

Our Products

General Liability Choice® helps protect a school’s assets in lawsuits over negligence, personal injury, libel or slander. If an educators or college educators endorsement is added, 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 that can be added to this policy include:
 
  • Directors, officers and entity liability (D&O) insurance to help protect a 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 the 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 an 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

Our Solutions

Workers’ compensation insurance helps teachers and staff recover from a work-related injury or illness. Our programs can even help a school’s 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 a school’s employees on the road when they use school-owned cars for business purposes.
Crisis event coverage can help schools 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 a school’s protection if a covered claim exceeds the limits of the primary liability coverage. We offer this coverage worldwide.
Multinational Choice helps protect schools from losses and claims in over 200 foreign countries. Even if a school doesn’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. It can help cover medical expenses incurred during those activities.

Are You a Small Continuing Education Institution?

Schools providing continuing education need special insurance coverage.
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Identifying Risks Before They’re a Problem

Our risk engineering team works alongside schools, colleges, and other educational institutions to uncover potential risks and help address them before they disrupt learning or operations. Our specialists use a variety of education‑focused resources to help create safer environments, including:
 
  • Emergency preparedness and crisis response planning
  • Campus safety and security assessments
  • Water damage prevention
  • Transportation safety programs
  • Athletic and student injury prevention
  • Cyber risk awareness and loss control
  • Resources that support student well‑being and mental health
  • Employment practices guidance and hiring support
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Preventing Losses and Managing Claims

The Hartford helps educational institutions prevent losses and manage claims efficiently through specialized services and tools:
 
  • Water Damage Prevention: Water damage is one of the most disruptive and costly property claims for schools. We offer resources like water sensor solutions and prevention planning to help reduce this risk.
  • Exceptional Claims Service: Our claims specialists take a proactive approach to resolve claims quickly and effectively, working to avoid court, limit publicity, contain costs and assign experienced counsel.
  • Advanced Support for Larger Institutions: Tools like TREO℠, our risk management information system, simplify claims management and help lower loss costs. Our ClaimPlus Team® partners with each institution to address unique risk exposures.

Additional Resources

Insights To Help Navigate Education Risks