Specialized Insurance for schools and educational institutions

From accusations of abuse and molestation to emergency events, today’s schools face more risks than ever. Hanover Education Advantage, developed by our team of education experts, provides affordable, broad insurance coverage for today’s schools. We offer insurance solutions for a wide range of educational institutions, including:

  • Private K-12 Schools
  • Colleges and Universities (Small, Private, and Public)
  • Charter Schools
  • Vocational/Trade Schools
  • Specialty Schools (for example, Private Instruction in Music or Art)
  • Schools Associated with Religious Institutions

More value for schools and educational institutions

We’ve partnered with the best school agents in the business, people who know school issues and are dedicated to helping educators make the right choices about their insurance protection. We can help tailor your policy to meet your needs. We are dedicated to providing expert claims services to the demanding and often complex, industry-specific challenges faced by educational institutions.

Risk management solutions to help make schools safer

Hanover Risk Solutions offers an extensive risk management program designed to help schools minimize their risks and help lower premiums, including:

  • Emergency Planning
  • Vocational Safety
  • Equipment Operation and Efficiency: K-12 Schools Online Tool
  • Risk Solutions website with numerous safety resources, such as safety topics, checklists, white papers and more

End-to-end insurance solutions for schools and educational institutions

The Hanover offers schools and educational institutions insurance products to help protect their property, autos, employees, and students. Our broad range of industry-specific coverages includes:

  • Commercial Package Policy (CPP)
  • Commercial Property
  • Commercial General Liability
  • Commercial Automobile
  • Commercial Follow Form Excess and Umbrella
  • Workers’ Compensation

Specialized coverages and endorsements for educational institutions include:

  • Educational Institutions Property Broadening Endorsement
  • Data Breach Coverage
  • Emergency Event Management Coverage
  • General Liability Endorsements, including:
    • Broadcast and Publication Liability
    • Professional Services Liability for School Nurses, Psychologists, Therapists, Counselors and Athletic Trainers
  • Pollution Liability for Classroom Pollution Events
  • Defense Cost Reimbursement for Innocent Employees who are Charged with Criminal Offenses
  • Sexual Misconduct and Sexual Molestation Coverage
  • School and Educators Legal Liability (E&O)
  • Law Enforcement Professional Liability Coverage
In addition, we offer specialized products that offer educational institutions enhanced protection: