Education Business Insurance

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Educators Face More Risks Than Ever Before

Educators face more risks than ever before. Evolving educational methods present new challenges. Sexual harassment complaints are rising, and on-campus crises are constantly in the news. Even so, educators can rest assured that The Hartford is there to help educational institutions reduce risks and prevail through crises and unexpected events.
Recommended Coverage for Schools and Educational Institutions
Helps protect the property a school owns and leases, including the important items needed to run a school like equipment, supplies, furniture and fixtures. It also helps cover the things that enrich the educational experience such as athletic and band uniforms, theatre costumes, musical instruments and sports equipment along with the personal effects of students and faculty. Property coverage can also include the building as well as business interruption.
Helps protect school assets in the event of a lawsuit over negligence, personal injury, libel, slander, false representation, and more. The Hartford’s coverage goes beyond most others by helping to protect educators with our General Liability Choice® with Educators or College Educators general liability endorsement that covers certain types of medical malpractice, medical payments for injured students and student athletes, and unexpected events that happen during school-sponsored international travel. It also helps cover costs if a school is found negligent in a sexual abuse or molestation case.
Our Educator’s Professional ChoiceSM provides specialized coverage that can be tailored by the educational institution to meet their insurance needs. This broad coverage comes in a modular policy that makes it easy to put together the right coverage at the right price. Coverage choices include:
  • Directors, Officers & Entity Liability (D&O) – helps protects the personal assets of a school’s directors and officers if they are sued for breach of duty, neglect, error, misstatement or omission while performing their jobs. It also includes coverage for wrongful acts that take place in the school. 
  • Educators Errors & Omissions Liability (E&O) – helps cover costs if a school is sued for failing to deliver or adequately perform education-related functions. Covered student discrimination claims can also fall under this Coverage Part.
  • Employment Practices Liability (EPL) – helps protect a school against teacher and other employee claims of discrimination, breach of employment contract, sexual harassment and other employment-related wrongful acts. Allegations of failing to grant tenure can also be covered.
Helps provide coverage for claims that arise if mistakes are made in administering teacher and other employee benefits. 
The Hartford offers an optional general liability endorsement that can provide coverage for negligence relating to sexual abuse or molestation. 
Tragic events, violent acts and mass illnesses that occur on campus require special care. The Hartford offers protection for crisis events that impact students and staff. Coverage is available to help with communication, counseling, and other post-crisis expenses.
Helps increase a school’s protection when a covered claim exhausts the limits of the school’s primary liability coverage. 
Additional Solutions for Schools and Educational Institutions
The Hartford is a leading provider of Workers’ Compensation Insurance. This coverage provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. If an employee is injured or sick, we help get them back to work as soon as reasonably possible. As an alternative, we may able to help place the injured worker in other transitional work, and this may include training with new skills. This coverage even pays a long-term benefit if an employee can’t return to work. In the event that an employee dies due to a work related accident, the policy pays an insurance benefit to the family.
Helps cover the vehicles that a school owns, leases, rents or borrows – on the road and off. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles, and in the event of a total loss, can help pay off a lease or loan if there is a gap in coverage. The Hartford provides a wide range of specialized services designed to help schools improve their drivers’ safety.
 
The Hartford’s innovative Risk Engineering team works with administrators to help make their schools safer with loss control services that include risk exposure evaluations, consultations, and recommendations for improving safety and security. 
 
Larger educational institutions may require a more tailored property program. The Hartford's dedicated large property public entity professionals can help address a wide range of exposures and provide dedicated claims and risk engineering services. Our tailored programs can include excess of loss, reinsurance assumed, pooling, quota share, blanket limits, aggregate deductibles and more. Click here to learn more about our dedicated large property offering.
 
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
 

Education Customer Claims Reviews

About our Customer Reviews

The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts, and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.

Guidelines for reviews

The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

In general, reviews are published if they are relevant to the experience and not defamatory.

While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

  • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
  • In order to protect our customers' privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
  • We do not publish reviews citing exact premium and settlement amounts.
  • We do not publish reviews that include a description of illegal activity or reference pending or current litigation.
  • We do not edit, correct, or modify ratings or reviews, regardless of content or tone.
 

For Smaller Institutions

Smaller educational institutions typically require specialized insurance coverage.
 

Education Coverage

A full curriculum of coverage for your educational institution.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.