Education Insurance Coverage

Educational institutions face unique challenges every day. From student safety to academic liability, Harper Insurance understands the complex risks that schools and educational organizations encounter while providing learning environments, managing facilities, and maintaining educational excellence.

Our comprehensive education insurance policies are specifically designed for K-12 schools, colleges, universities, vocational schools, and educational support services. Whether you operate a single campus or manage a multi-location educational system, we provide tailored coverage solutions that protect your students, faculty, and educational mission.

Essential Education Insurance Types

General Liability Insurance

Protects against student injuries, visitor accidents, and property damage claims occurring on campus. Essential coverage for slip-and-fall incidents, premises liability, and third-party injury claims throughout educational facilities.

Professional Liability Insurance

Critical protection against allegations of educational malpractice, inadequate instruction, discrimination, and failure to provide appropriate educational services. Covers academic decisions and educational service delivery.

Commercial Property Insurance

Comprehensive coverage for school buildings, educational equipment, computers, and institutional property. Protects against fire, theft, vandalism, and natural disasters that could disrupt educational operations.

Workers' Compensation Insurance

Mandatory coverage for faculty and staff injuries while performing educational duties. Covers medical expenses and lost wages for injuries from workplace accidents, student incidents, and job-related activities.

Student Accident Insurance

Specialized protection for student injuries during school activities, field trips, and athletic programs. Provides medical expense coverage for students injured while participating in school-sponsored activities.

Employment Practices Liability Insurance (EPLI)

Protection against wrongful termination, discrimination, harassment, and wage disputes involving faculty and staff. Essential for institutions with complex employment relationships and tenure considerations.

Cyber Liability Insurance

Protects against data breaches affecting student records, academic information, and FERPA-protected data stored in educational technology systems and student information databases.

Directors & Officers Insurance

Coverage for school board members, administrators, and institutional leaders against personal liability arising from management decisions and governance responsibilities.

Educational Sectors We Serve

K-12 Public Schools
Comprehensive coverage for elementary, middle, and high schools including student safety protection, educational liability coverage, and specialized programs for athletics and extracurricular activities.

Private Schools & Academies
Enhanced protection for independent schools including tuition refund insurance, enrollment protection coverage, and specialized liability protection for private educational institutions.

Colleges & Universities
Specialized coverage for higher education including research liability, campus housing protection, student organization coverage, and academic freedom liability protection.

Vocational & Trade Schools
Protection for career training institutions including hands-on training liability, equipment coverage, and specialized professional liability for vocational education programs.

Online & Distance Learning
Cyber liability and technology coverage for virtual education providers including platform security protection, intellectual property coverage, and remote learning liability protection.

Educational Support Services
Coverage for tutoring services, educational consultants, and academic support organizations including professional liability and specialized educational service protections.

Education Risk Factors

Student Safety & Welfare
Student injuries during activities, playground accidents, laboratory incidents, and campus safety issues that can result in serious injury claims and institutional liability exposures.

Academic & Professional Liability
Allegations of educational malpractice, discrimination in grading, inadequate instruction, and failure to provide appropriate educational accommodations for students with special needs.

Campus Security Issues
Violence on campus, inadequate security measures, emergency response failures, and safety protocol breakdowns that can endanger students and create significant liability exposures.

Technology & Data Risks
Student data breaches, educational technology failures, online learning platform issues, and privacy violations affecting sensitive student and academic information.

Employment & Faculty Issues
Discrimination claims, tenure disputes, academic freedom conflicts, and employment-related litigation involving faculty, staff, and administrative personnel.

Facility & Property Exposures
Aging building infrastructure, laboratory safety hazards, athletic facility risks, and campus property damage that can disrupt educational operations and endanger occupants.

Get Your Education Insurance Quote

Protect your educational institution with comprehensive coverage designed for your sector. Our experienced agents understand education risks and will work with you to build a protection plan that covers your specific operations, students, and educational responsibilities.

Key Benefits of Working with Harper:

• Specialized education sector expertise
• Student safety risk management guidance
• Regulatory compliance support
• Expert educational claims handling
• Coverage that supports your mission

Ready to protect your educational institution? Contact Harper Insurance today for a comprehensive quote tailored to your educational operations and institutional requirements.