Educational Insurance for Alabama Schools and Universities

With educational units facing a number of potential risks, you need the following types of educational institutional insurance options to save your facility, reputation, staff, and students.

General Liability Insurance

General liability insurance provides coverage for your institution from third-party claims of bodily injury or property damage. This coverage is fundamental for all educational facilities in Alabama.

What if a visitor slipped on a wet floor in your school? General liability offers coverage for their medical expenses and any potential legal costs.

We customize liability policies to address the specific risks of your educational environment, whether you’re a small private school or a large university.

Commercial Property Insurance

Alabama schools invest heavily in buildings, equipment, and technology. Business property insurance safeguards these assets against damage from fire, storms, vandalism, and theft.

What if lightning struck your school’s computer lab? Property insurance would cover the cost of replacing damaged equipment, minimizing out-of-pocket expenses for your institution.

We conduct thorough risk assessment to ensure your property business insurance limits adequately protect your school assets.

Our insurance brokers offer different types of educational institutional insurance, including customized property and liability coverage, to safeguard schools’ assets, finances, and reputation.

Protecting your employees is not just a legal requirement—it’s a moral obligation. Our workers’ compensation insurance covers medical expenses and lost wages for staff injured on the job.

What if a teacher strained their back while moving classroom furniture? Workers’ comp would cover their medical treatment and any necessary time off work.

We help Alabama schools and educational services navigate the complexities of workers’ compensation laws, ensuring full compliance and employee protection.

Student Accident Insurance

Student safety is paramount. Our student accident insurance provides an extra layer of protection for students participating in school activities.

What if a student broke their arm during a school-sponsored field trip? Student accident insurance would help cover medical costs, easing the financial burden on families and reducing the school’s liability exposure.

We offer flexible student accident policies that can be tailored to cover specific activities or provide 24/7 protection.

Cyber Liability Insurance

In today’s digital age, protecting student data is critical. Cyber liability insurance safeguards your institution against the financial fallout of data breaches and cyberattacks.

What if hackers accessed your school’s student records? Cyber liability coverage would help with notification costs, legal fees, and potential settlements.

Our cyber policies include both first-party and third-party coverage, ensuring comprehensive protection for your digital assets.

Educators’ Legal Liability Insurance

Professional liability insurance, also known as Educators’ Legal Liability (ELL) insurance, is a specific type of insurance designed to protect Alabama’s educational institutions and their employees from lawsuits alleging professional negligence or misconduct. 

This specialized coverage protects educators and administrators from lawsuits related to their professional duties.  Some of the features of this liability coverage include:

• Allegations of negligence in performing educational duties, like classroom supervision or student safety.
• Wrongful accusations of discrimination, abuse or molestation.
• Claims of wrongful termination.
• Copyright infringement claims related to educational materials.
• Bodily injury or property damage claims arising from alleged educator action.

Educators’ legal liability would cover defense costs and potential settlements, protecting both the individual and the institution.

Commercial Auto Insurance

This type of insurance is specifically designed for business-owned vehicles, including school buses and district-owned cars. It typically offers broader coverage compared to personal auto insurance.

• Liability Coverage: Schools need liability coverage to protects the institution from financial responsibility if the school-owned vehicle is involved in an accident and causes injury or property damage to others.
• Collision Coverage: Covers repairs to the school-owned vehicle if it’s damaged in a collision with another vehicle or object.
• Comprehensive Coverage: Similar to the coverage for school buses mentioned above, purchase insurance to protect schools and educational institutions against theft, vandalism, weather events, and animal collisions.