Educational Institutional Insurance

Educational Institutional Insurance by Browne Insurance Services

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Educational Institutional Insurance provided by Browne Insurance Services .

Educational institutes are the foundation of a thriving community. And we know how complex and demanding managing any institution can be! We want to help your institute grow into something new, while protecting it from anything that would hinder its progress.

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General Liability Coverage

Risk Factors

When a student suffers bodily injury after falling from a broken chair, you are liable to pay for the medical expenses


Your general liability policy would cover the medical expenses and any other legally  fess if required.

Commercial Property Insurance Coverage

Risk Factors

A fire breaks out in your computer lab and destroys your computer system.  


Your commercial property insurance would help you cover the loss

Business Income  Coverage

Risk Factors

Due to floods and storms you cannot open school because of structural damage and lose income for that year


Business Income Insurance would help you recover your school’s lost income.

Employee Lawsuit Coverage

Risk Factors

You had to let a teacher go because of poor performance and he sues you for discrimination.


This coverage helps protect your school from alleged employment practices wrongful acts.

Cyber Insurance Coverage

Risk Factors

Your School’s computer system got hacked over the holiday break. Personally identifiable information was stolen. So the school had to offer students identity theft monitoring services.


Cyber Insurance would cover for any loss and pay for hiring a public relations firm and also offer credit monitoring services to  data breach victims


What is Educational Institutes insurance?

Educational institute insurance is a unique bundle of business coverage that protects educational institutions from the wide range of possible risks.

Educational institutes face potential threats, such as damage to property and injury due to accidents on their premises. In order for these businesses to be able maintain operations without interruption in times when something goes wrong, it’s important they have quality education-institute insurance by an experienced provider like us!

Who needs Educational Institutional Insurance ?

A variety of educational institutions, including:

  • Charter schools
  • Private nonprofit schools for grades K-12
  • Private nonprofit colleges and universities
  • Trade and vocational schools

What are some of the risks faced by Educational Institutes insurance?

The potential risks Educational Institutes may face: 

  • A fire in your largest dorm requires hundreds of your students to be temporarily housed in local hotels.
  • A pipe bursts in your library, destroying computer equipment and many books.
  • A student driver loses control of a school’s van causing the van to roll over resulting in multiple injuries to passengers.
  • One of your tenured professors traveling in the Middle East for a research project contracts a potentially fatal parasitic disease.
  • Donors are dissatisfied their funds have been deployed for purposes beyond what was intended and sue for corrective action.
  • A University store supervisor steals cash sales and also processes fictitious refund credits to a debit card under her control.
  • A tenured professor sues the university and fellow staff faculty members for wrongful termination and tortious interference with contract.

What are the coverages Educational Institutes should consider?

Some of the coverages educational institutes can consider are 

  • Property: buildings, contents, equipment, booths, and all other
  • General Liability
  • Umbrella Liability
  • Business Automobile
  • Workers Compensation
  • Educators Professional Liability
  • Directors and Officers Liability
  • Employment Practices Liability (EPLI)
  • Employee Benefits Liability
  • Cyber Liability
  • Crisis Response
  • Abuse and molestation

When it comes to selecting the right insurance for an institute, there are a lot of factors that need to be considered. You’ve got risk management and cost-benefit analysis on one side of the table and policy coverage language on the other. It can feel like you have your hands full with all these considerations. The last thing you want is more work!

Let us help take some load off your shoulders contact us today to help you with your institution’s insurance requirement.

Already Have Educational Institutional Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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