The appetite below outlines our target appetite for mid-sized educational institutions.
Primary - secondary (K-12)
Primary - secondary (K-12)
- Private/independent schools
- Public charter schools
- Vocational schools
- Religious schools
- Fine arts schools
Higher education
Higher education
- Colleges/universities
- Community colleges
- Vocational/trade schools
- Seminaries
Continuing education
Continuing education
- Professional development
- Public speaking
- Tutoring and test preparations
- Computer training
- Business and secretarial
- Culinary
Not in appetite
The Hanover does not target the following areas:
- Nursery schools/child day care
- Commercial driving schools
- Contracted bus transportation companies
- Apprenticeship trade programs
- Massage therapy schools
- Flight training
Property and general liability
Property
- Selection of base property broadening endorsements that add or enhance more than 65 coverages
- Add the educational institutions property broadening endorsement below to a base property endorsement to further tailor industry-specific coverage.
Educational institutions property broadening endorsement 411-0812 |
|||
|---|---|---|---|
| Coverage | Limits | Coverage | Limits |
|
Automated external defibrillators |
$5,000 |
Paved surfaces |
$100,000 |
|
Broadened building coverage |
Included |
Personal effects of students |
$100,000 |
|
Business income and extra expense — fundraising events |
$50,000 |
Real property of others required by contract |
$5,000 |
|
Emergency evacuation expense |
$25,000 |
Special settlement provisions |
|
|
Glass showcases |
$2,500 |
Spoilage — on premises |
$25,000 |
General liability
- Suite of general liability broadening coverage that add or enhance over 13 coverages
- Educational institutions professional services liability endorsements
- Physical abuse, sexual misconduct and sexual molestation coverage
- Add the educational institutions general liability broadening endorsement below to the base general liability broadening endorsement to further tailor coverage.
Commercial general liability enhancement endorsement – educational institutions 421-2925 |
|||
|---|---|---|---|
| Coverage | Limits | Coverage | Limits |
|
Additional insured — broad form vendors |
Included |
Medical payments for students exclusion |
Included |
|
Additional insured — board members, trustees, student teachers, safety patrol and approved groups |
Included |
Mobile equipment redefined |
Included |
|
Aggregate limit per location |
Included |
Personal injury — broad form |
Included |
|
Aircraft, auto or watercraft amendments |
Included |
Personal injury — televised or videotaped publication
|
Included |
|
Broad form named insured |
Included |
Property damage legal liability - Broad form - Fire, lightning, explosion, smoke and leakage from fire protective systems damage limit
|
$1,000,000 |
|
Broadcasting and publication — personal and advertising injury |
Included |
Who is an insured extension — co-employees and volunteer workers |
Included |
|
Clinic or hospital exclusion |
Included |
||
School and Educators Legal Liability
The Hanover’s School and Educators Legal Liability (SELL) offering is designed to provide the protection and flexibility educational institutions need, with coverage including:
- Educators liability – offers protection to educational institutions and their employees, substitute teachers, volunteers, student teachers and interns against actual or alleged wrongful acts while performing their duties for the educational institution
- Directors and officers liability – offers protections for actual or alleged wrongful acts by individual insureds and the organization including errors and omissions, neglect, breach of duty and more when performing their duties for the institution
Coverage highlights include:
- Defense coverage outside the limits of liability
- Broad definition of who’s covered - including executives, trustees, authorized parent-teacher organizations and more
- Automatic extended reporting period for 60 days with options of 12, 24 and 36 months
- Multiple deductible options to further tailor solutions
- Option to add Employment Practices Liability (EPLI) endorsement
Additional coverage options
- Law enforcement and professional liability coverage
- Employee benefits liability
- Automobile
- Umbrella
- Workers’ compensation
- International
We offer risk management and claims solutions to support the unique needs of educational institutions.
Risk management services
Our risk management services give educational institutions the tools they need to protect students, staff and campuses by combining expert guidance, practical training and innovative technology.
Key features
- Abuse prevention e-learning series, offering courses on mandated reporter responsibilities, child protection, bullying protection and more
- Dedicated safety programs, including employment practices liability training, slip, trip and fall prevention and emergency response training
- Continuous innovation through solutions like the Hanover i-on Sensor ProgramTM, which uses real-time data to help mitigate risks such as water leaks, temperature concerns and fleet safety
- Hanover Educational Institutions Safety Advantage providing employee training tailored to the unique risks of educating vulnerable student populations
- Discounts with expert risk management vendors, including background checks and crisis response services
Dedicated claims team
Our claims team brings deep educational institution knowledge and proactive, informed support to help schools manage even the most complex claims with confidence and clarity.
Key features
- Dedicated handling of sensitive student matters, including claims involving discipline, suspension, admissions, grading practices, bullying and other student‑related issues
- Deep expertise navigating complex legal requirements, including due‑process standards and regulations governing students’ rights
- Access to hand‑selected defense firms with extensive experience in education‑related claims
- In‑house counsel dedicated to employment practices liability cases, providing direct guidance throughout the process
- Account‑management model that assigns each school the same claims adjuster for stronger trust, continuity and efficiency
Abuse prevention training series
The Hanover's e‑learning courses help your clients train staff and volunteers on critical safety practices, reducing risk and strengthening organizational protection. They are ideal for onboarding new employees or as refresher training. We have a library of more than 30 e-learning offerings, including unlimited access to 20 courses at no cost to policyholders.
Our courses include:
Applicant screening
- Supports safer hiring decisions
- Guides staff on effective screening practices for employees and volunteers
Bullying prevention
- Helps adults recognize and address bullying behaviors
- Provides strategies to prevent and respond to incidents
Child protection
- Teaches principals of child abuse prevention
- Strengthens awareness of risk indicators and protective measures
Hanover Education Advantage protects against the unique risks faced by educational institutions. Unlock the Hanover advantage.
Risk management services
Our training options include employee screening, professional boundaries, abuse and molestation, workplace harassment, discrimination and respect training.
We partner with companies to offer services such as background checks, safety training and driver monitoring.
Competitive products
Our innovative and comprehensive product suite provides options designed to fit current and future needs, including:
- Industry-specific broadening endorsements
- School and educators legal liability coverage
- Account-focused solutions
Dedicated claims team
Our claims teams have years of industry expertise and experience handling the unique types of claims educational institutions can face. We employ experts in the fields of water mitigation, subrogation, risk transfer, litigation management, nurse and legal analysis, accounting, and SIU.
Specialized underwriting
We have expert, local underwriting resources with national product claims and loss control services, all supported by regional experts.
Trusted partner
We offer the support and financial strength of an "A"-rated leading insurance carrier.
The appetite below outlines our target appetite for mid-sized educational institutions.
Primary - secondary (K-12)
Primary - secondary (K-12)
- Private/independent schools
- Public charter schools
- Vocational schools
- Religious schools
- Fine arts schools
Higher education
Higher education
- Colleges/universities
- Community colleges
- Vocational/trade schools
- Seminaries
Continuing education
Continuing education
- Professional development
- Public speaking
- Tutoring and test preparations
- Computer training
- Business and secretarial
- Culinary
Not in appetite
The Hanover does not target the following areas:
- Nursery schools/child day care
- Commercial driving schools
- Contracted bus transportation companies
- Apprenticeship trade programs
- Massage therapy schools
- Flight training
Industry resources
Educational institutions coverage scenarios
These coverage scenarios help educational institutions understand their unique exposures and the importance of minimizing losses.
Resources for your customers
Our Risk Solutions program includes onsite and remote assessments, on-demand learning, self-service tools and custom action plans that address the complex demands and issues facing your clients in education.
Strategies to keep an organization safe
See all of our Risk Solutions solutions for educational institutions
Customer tools
Let's start a conversation today
Contact a member of our team to learn more about our coverage and services, and how we can help you tailor a solution for you and your clients.
Property and casualty
Nicole Kemp
Director, Industry Solutions, Educational Institutions
952-897-3044
nkemp@hanover.com
Marine and industrial property
Chris Zaneski
Vice President, Distribution Management
240-638-5706
czaneski@hanover.com
Professional and executive lines
Nicole Kemp
Director, Industry Solutions, Educational Institutions
952-897-3044
nkemp@hanover.com