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Get the Best Colorado School Insurance From Educational Institution Coverage Experts
The Allen Thomas Group safeguards Colorado’s educational facilities with tailored insurance solutions.
Our expertise in school and university coverage spans over two decades, addressing the unique risks faced by campuses across the Centennial State.
From natural disasters to cyber threats in the state of Colorado, we provide comprehensive protection that meets state regulations and offers peace of mind to administrators, educators, and parents alike.
We help schools comply with all relevant laws and regulations. We also offer additional services to support your institution’s risk management strategy.
Let’s determine the insurance needs of Colorado schools. We invite you to discover how we can protect your institution’s future and support your school operations.
Our education insurance policies are designed to automatically assign coverage based on your specific needs, providing flexibility in your risk management approach.
Ready to secure your campus?
Submit a request to obtain a Free Insurance Quote today.
We’ll help you understand your options, including any potential to waive certain coverages or adjust your deductible.
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Table of Contents
Why Colorado Educational Institutions Need Insurance?
Colorado schools face a unique set of challenges. The state’s diverse geography and climate create specific risks that demand specialized insurance coverage.
From the Rocky Mountains to the Eastern Plains, each region presents its own set of potential hazards. Our team has in-depth knowledge of charter schools and can help you navigate these risks effectively.
Wildfires pose a significant threat to many Colorado campuses. The 2020 East Troublesome Fire, which became the second-largest in state history, highlighted the need for robust property insurance.
Schools in fire-prone areas require policies that cover evacuation costs, temporary relocation expenses, and potential long-term closures. We can help you specify the exact coverage provided for these scenarios.
Floods and hailstorms also threaten Colorado’s academic facilities.
The September 2013 floods caused over $4 billion in damage across the state, affecting numerous schools. Enrolling in a comprehensive flood insurance program can help institutions recover quickly from such devastating events. It’s mandatory for schools to notify us of any changes that might affect their coverage, such as new construction or changes in school student population.
What if a cyber attack compromises student data?
Colorado schools store sensitive information, making them prime targets for cybercriminals. In 2019, several Colorado school districts fell victim to ransomware attacks, disrupting operations and potentially exposing confidential data.
Cyber liability insurance provides protection against such risks and covers costs associated with data breaches.
This protection extends to school performance data and other sensitive information.
Compliance with Colorado state regulations is crucial for educational facilities. The Colorado Department of Education mandates specific insurance requirements for public and charter schools.
Failure to meet these standards can result in severe penalties, including loss of funding or accreditation. We help ensure that you have the proper coverage in place to meet these requirements.
The Allen Thomas Group helps Colorado schools navigate these complex regulations. We ensure your institution not only meets but exceeds state requirements, providing a solid foundation for your risk management strategy. Our team can assist with the documentation needed for regulatory compliance.
Comprehensive Insurance Coverage with The Allen Thomas Group
Property insurance forms the foundation of any educational institution’s risk management plan.
The Allen Thomas Group offers policies tailored to the specific needs of Colorado schools and universities. We can help you determine the appropriate premium based on your school’s unique characteristics.
Our property insurance covers:
- Buildings and structures
- Contents (including furniture, equipment, supplies)
- Outdoor fixtures (playgrounds, athletic fields)
- Fine arts and valuable papers
What if a severe hailstorm damages your campus buildings? Our policies include coverage for weather-related incidents common in Colorado. We also offer business interruption insurance to cover lost income and extra expenses during repairs or rebuilding.
You may apply for property coverage as a safeguard for your educational facility. We can even provide coverage for school operations abroad, such as study abroad programs or international field trips.
Liability risks for educational facilities extend far beyond the classroom.
The Allen Thomas Group provides a range of liability coverage options to protect your school from potential lawsuits and financial losses. This includes protection for discipline-related incidents and other unique aspects of school operations.
Our liability insurance includes:
- General liability insurance
- Professional liability insurance (errors and omissions)
- Directors and officers’ liability insurance
- Cyber liability insurance
What if a student is injured during a school-sponsored event?
Our general liability coverage protects your institution from bodily injury and property damage claims. Professional liability insurance safeguards educators from claims of negligence or misconduct.
Understanding the unique structure of charter schools, we offer specialized protection that acts on behalf of the charter.
Student Accident Insurance
Student safety is paramount for any educational facility.
The Allen Thomas Group offers comprehensive student accident insurance to provide financial protection for both schools and families. It can be particularly important during each semester when activities may vary.
Our student accident insurance covers:
- Medical expenses for injuries on campus or during school activities
- Disability benefits for students
- Accidental death and dismemberment coverage
What if a student is injured during a sports practice? Our policies cover medical expenses, reducing the financial burden on families and protecting the school from potential litigation.
We can help you determine if your school is eligible for special rates based on your safety record and risk handling practices.
Additional Coverage Options: Tailoring Protection to Your Needs
The Allen Thomas Group understands that each school in Colorado has unique insurance needs.
Our additional coverage options include:
Workers’ compensation insurance policy is essential for protecting your educational facility’s employees.
It provides benefits to workers who are injured or become ill due to job-related activities. In Colorado, workers’ compensation insurance is mandatory for most employers, including schools and universities.
Crime insurance safeguards your institution against financial losses due to criminal activities. It covers theft, fraud, forgery, and other dishonest acts committed by employees or third parties.
For educational facilities handling significant funds or valuable assets, crime insurance is a crucial component of a comprehensive risk management strategy.
Equipment breakdown protects your school against the sudden and accidental breakdown of critical equipment. It covers repair or replacement costs for items such as HVAC systems, electrical systems, computers, and laboratory equipment.
Given the reliance on technology and specialized equipment, this coverage can be invaluable in minimizing disruptions to your operations.
Auto policy for school vehicles: If your institution owns or operates vehicles for transportation or other purposes, auto policy is essential.
It protects against liability for accidents involving school-owned vehicles and can include collision and comprehensive coverage.
It’s particularly important for schools with bus fleets, sports team transportation, or maintenance vehicles.
Find A Trusted Partner for Colorado Educational Facilities
With over 20 years of experience in the Colorado insurance market, The Allen Thomas Group has developed deep expertise in the unique needs of schools across the state. We work without regard to the size of your institution, providing the same high-quality service to all our clients.
Our commitment to tailored solutions sets us apart. We don’t believe in one-size-fits-all insurance packages. Instead, we work closely with each client to develop a customized plan that addresses their specific risks and budget constraints. This includes considering factors like proximity to natural hazards and unique program offerings.
What if your institution faces a complex claim?
Our expert Colorado business brokers guide you through the entire process, from initial filing to resolution. We leverage our strong relationships with top-rated insurance carriers to ensure you receive fair and prompt settlement of claims. Our customer service team is always ready to assist you with any questions or concerns.
Emerging Risks and Coverage Options
The educational landscape is constantly evolving, and so are the risks faced by Colorado schools and universities. The Allen Thomas Group stays ahead of these changes, offering innovative options to address emerging threats. We can help you anticipate future risks and adjust your coverage accordingly.
Pandemic-related insurance considerations have become increasingly important. We offer options that can help cover expenses related to campus closures, remote learning infrastructure, and enhanced cleaning protocols.
Climate change presents new challenges for Colorado schools. Our team works with climatologists and risk assessment experts to develop forward-thinking coverage options that address the increasing frequency and severity of natural disasters. We can help you understand how these changes might affect your school operations and insurance needs.
What if a new school introduces unforeseen risks to your campus? Our ongoing research and development ensure we can quickly adapt our options to protect against emerging threats.
We stay informed about the latest developments in educational technology and their potential insurance implications.
Why Choose The Allen Thomas Group?
The Allen Thomas Group stands out in the crowded field of insurance providers.
Our deep understanding of Colorado’s educational landscape, combined with our commitment to personalized service, makes us the ideal partner for schools and universities across the state.
We can help you navigate the process for special insurance programs and ensure you’re getting the best possible protection.
What sets us apart:
Local expertise
We know Colorado’s unique risks and regulations inside out.
Customized solutions
No cookie-cutter approach – we offer customized solutions, considering the risks you face on a daily basis. Our aim is to help you enjoy continuous protection for all aspects of school operations.
Responsive claims handling
When you need us most, we’re there to guide you through the claims process.
Ongoing support
We’re not just there at renewal time – we provide year-round guidance and education.
Let us help review your coverage to help you identify gaps and opportunities for improvement in your risk management strategy.
This review can help ensure that you have enough protection.
Tailored Insurance Solutions Built For Colorado Educational Facilities
We know how frustrating and complex the process of finding the right Colorado business insurance can be.
Let us help build a policy that works for you.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Our Commercial Insurance Carrier Partners
That allows us to find the best rates for your business.
Contact The Allen Thomas Group for a Education Insurance in Colorado
Ready to secure your Colorado educational facility with tailored solutions?
The Allen Thomas Group is here to help. Our team of experienced brokers is standing by to answer your questions and provide expert guidance.
We also offer a waiver option for certain coverages, allowing schools to customize their protection based on their specific needs and risk tolerance.
The Allen Thomas Group helps schools fulfill their legal insurance requirements while also providing additional options to protect against unique risks.
Our liability coverage extends to discipline-related incidents, protecting schools and their staff when implementing necessary behavioral management policies.
We offer specialized options to cover contractor risks, ensuring your educational institution is protected when working with external service providers or temporary staff.
Our team can help you determine your eligibility for various coverage programs and discounts based on factors such as safety measures, staff training, and claims history.
We offer comprehensive administrative support to help schools manage their policies effectively. This includes assistance with claims processing, policy renewals, and ongoing risk assessments.
Let’s work together to safeguard your institution’s future with transparent, objective] information and customized coverage options.
Call (440) 826-3676 today for a Free Insurance Quote.
Our licensed agents in Colorado are available between 9 AM and 5 PM EST Monday to Friday.
Get More Insights On Making The Right Insurance Decision For Your Colorado School
What types of insurance do Colorado schools legally require?
Colorado schools must carry general liability, property coverage, and workers’ compensation. Public schools also need school leaders’ legal liability, while charter schools require additional directors and officers liability.
How much does educational institution insurance typically cost in Colorado?
Insurance costs vary based on factors like school size, location, and coverage needs. On average, small to medium-sized Colorado schools might spend between $5,000 to $50,000 annually on comprehensive packages.
Can Colorado schools purchase cybersecurity program separately?
Yes, Colorado schools can purchase standalone cybersecurity policies. However, many comprehensive educational insurance packages now include cyber liability to address the growing threat of data breaches and ransomware attacks.
Are student-owned devices covered under school insurance programs?
Generally, student-owned devices are not covered. Schools should encourage students and parents to secure personal property insurance or homeowners/renters insurance that includes off-premises coverage for electronic devices.
How often should Colorado educational institutions review their coverage?
Review your coverage annually, before policy renewal. Reassess coverage after significant changes such as campus expansions, new program offerings, or shifts in enrollment numbers.
Does school insurance cover injuries during off-campus activities?
Most comprehensive policies cover injuries during school-sponsored off-campus activities. However, coverage may vary for non-mandatory events or those not directly supervised by school staff. Schools should submit detailed information about off-campus activities to ensure proper coverage.
How can schools ensure their curriculum is covered under their insurance program?
Schools should work closely with their insurance provider to ensure this.
Are there special considerations for charter schools when it comes to insurance?
Yes, they often have unique needs due to their independent nature and specific operational structures. Insurance providers who have knowledge of charter school operations may offer customized coverage accordingly.
We Provide Customized Insurance Solutions For The Following Colorado Educational Institutions
- Agricultural Education Centers
- Animation and Game Design Schools
- Art Schools
- Charter Schools
- Coding Bootcamps
- Cooking Schools
- Culinary Institutes
- Dance Academies
- Dressmaking Schools
- Entrepreneurship Programs
- Environmental Education Centers
- Film and Media Schools
- Fitness and Wellness Centers
- Graphic Design Institutes
- Healthcare Training Centers
- Higher Education Certificate Programs
- Interior Design Schools
- Language Schools
- Legal Training Institutes
- Management Development Training Centers
- Martial Arts Schools
- Music Schools
- Online Continuing Education Programs
- Personal Development Schools
- Photography Schools
- Private Schools
- Professional Development Training Facilities
- Real Estate Schools
- Robotics Training Centers
- Technical Schools
- Trade Schools
- Universities
- Vocational Schools
Colorado Areas We Serve
Alamosa
Applewood
Arvada
Aspen
Aurora
Avon
Battlement Mesa
Berkley
Berthoud
Black Forest
Boulder
Brighton
Broomfield
Brush
Cañon City
Carbondale
Castle Pines
Castle Rock
Centennial
Cherry Creek
Cherry Hills Village
Cimarron Hills
Clifton
Colorado Springs
Columbine
Commerce City
Cortez
Craig
Dacono
Dakota Ridge
Delta
Denver
Derby
Dove Valley
Durango
Eagle
Eaton
Edgewater
Edwards
Englewood
Erie
Estes Park
Evans
Evergreen
Fairmount
Federal Heights
Firestone
Fort Carson
Fort Collins
Fort Lupton
Fort Morgan
Fountain
Frederick
Fruita
Fruitvale
Glendale
Gleneagle
Glenwood Springs
Golden
Grand Junction
Greeley
Greenwood Village
Gunbarrel
Gunnison
Gypsum
Highlands Ranch
Johnstown
Ken Caryl
Lafayette
La Junta
Lakewood
Lamar
Littleton
Lochbuie
Lone Tree
Longmont
Louisville
Loveland
Manitou Springs
Milliken
Montrose
Monument
New Castle
Northglenn
Orchard Mesa
Parker
Pueblo
Pueblo West
Redlands
Rifle
Roxborough Park
Salida
Security-Widefield
Severance
Shaw Heights
Sheridan
Sherrelwood
Steamboat Springs
Sterling
Stonegate
Stratmoor
Superior
The Pinery
Thornton
Trinidad
Twin Lakes
Vail
Welby
Wellington
Westminster
Wheat Ridge
Windsor
Woodland Park
Woodmoor
