K-12 Insurance
Tailored K-12 school insurance coverage for your unique risks
Our risk management approach is responsive, results-oriented and focused where it counts most—minimizing exposures and claims. We’ll advise you on how to confidently identify, quantify and reduce risk through tailored solutions, so that you can protect your people, your assets and your reputation.
Our education insurance specialists have worked with thousands of K-12 schools and school districts to secure core insurance protection that includes public and professional liability, business auto, management liability, media liability, cyber insurance and workers’ compensation.
There are a variety of risks associated with construction, including damage to work-in-progress, occupational injuries to jobsite workers, injury or damage to bystanders and environmental liabilities. Our construction insurance experts will recommend mission-critical protection for the full scope of your project. Additionally, our risk services team can help you avoid and reduce occupational health and safety, public safety and environmental risks before your project starts.
We provide a comprehensive approach to crisis management so that your school is prepared for catastrophic events such as severe weather, natural disasters, cyber-attacks and acts of violence. We are here to help you prepare, respond and recover. Our risk services team leverages an all-hazards approach to support you with risk assessment and management, continuity planning and crisis response.
Even at the K-12 level, the adoption of online learning and digital education platforms has introduced new challenges and cybersecurity risks—and a breach in your school’s data systems could result in significant consequences. There is no standard cyber insurance policy that can be applied to every K-12 school, so having an experienced broker is key to making sure you’re adequately covered. Our team of cyber security experts can help advise you on your potential risk exposure and ensure that your insurance adequately covers cyber risks.
Occupational fraud poses a very real financial threat to businesses of all kinds, including educational institutions. When someone uses their position to misallocate the assets and revenue, the consequences can be severe and create long-term issues. Occupational fraud risks include corruption, asset misappropriation and financial statement fraud. We can help. Our team of specialists can help you identify where you may need additional crime and fraud protection.
Our property risk management services include property audits and inspections, fire protection engineering, loss investigations and analysis, property replacement cost valuations, building code compliance, security consulting and more. We’ll work together to build a property risk management plan that’s right for your elementary school.
Organizations that serve youth and people with disabilities are increasingly vulnerable to claims of abuse, molestation and exploitation—especially with the expansion of victims’ rights statutes in many states. We help protect your finances and reputation with specialized insurance for your organization and its individual actors. We can also help you avoid and reduce risk through strategies for employee and volunteer recruitment, screening, training, supervision, internal reporting and crisis management.
We promote your students’ wellbeing by considering all the risks they might face while at school:
- Acts of violence such as physical altercations or cyber-bullying
- Accidents in athletic or student group activities
- Medical, natural disaster or other catastrophic incidents
- Active shooter scenarios
In addition to arranging broad, cost-effective risk transfer, we can work with you to avoid and reduce risks. Our Risk Services team, composed of multi-disciplinary experts, can help in critical areas such as property conservation, habitational safety, campus safety and security, cyber security, travel risk management, and business resiliency.
Vehicular risk can be catastrophic, especially when involving buses or vans with concentrations of young passengers. We make sure you’re covered for over-the-road activities ranging from student and athletic events to business use of employees’ personal vehicles. In addition to securing the right elementary and K-12 insurance, we can help promote vehicle safety through organizational auto use policies, driver training, telematics and guidelines for fleet maintenance.
If students are traveling as part of a school excursion or study experience, you can face a myriad of risk exposures. Comprehensive casualty coverage and extended coverage for students and chaperones is imperative. Our education specialists can help you determine the best insurance to cover accidents and injuries, emergency services and repatriation, automobile liability and more.
Injuries and illnesses in the workplace can have severe impacts on people and academic institutions. To keep your teachers and staff safe and reduce costly insurance claims, you need to develop a safety program with policies and procedures that address your school’s safety exposures and comply with all industry regulations. We can help. Our risk services team can review your facilities and provide best practice assessments to recommend a comprehensive workplace safety management program.