Georgia Educational Institution Insurance

We offer a wide range of insurance solutions tailored to the needs of Georgia’s educational institutions.

Our coverage options include property insurance, liability protection, and cyber liability policies designed specifically for schools and colleges.

As a leader in insurance, we provide coverage for your education facility so you can enjoy peace of mind.

Property Insurance 

Our property insurance policies protect the physical assets of insured Georgia schools, including:

• School buildings and structures
• Classroom furniture and equipment
• Technology assets (computers, smart boards, etc.)
• Sports facilities and equipment
• Libraries and media centers

What if a fire damages your school’s science lab? Our property insurance would cover the costs of repairs and replacement of specialized equipment, minimizing disruption to your student’s education.

We also offer business interruption insurance for Georgia schools. This coverage helps institutions recover lost income and continue operations if a covered event forces temporary closure.

For example, if a severe storm damages Emory University’s campus, business interruption insurance would help cover ongoing expenses and lost tuition revenue during repairs. 

Liability Insurance

Our liability insurance protects Georgia educational institutions from various legal and financial risks. We offer:

1. General liability protection
2. Student accident coverage
3. Professional liability  or professional indemnity insurance
4. Event liability for school-sponsored activities

What if a student is injured during a field trip organized by Georgia State University? Our student accident coverage would help cover medical expenses and protect the institution from potential lawsuits.

Another name for professional liability insurance, errors and omissions insurance, is essential for school administrators and educators to protect your business reputation. Professional liability insurance may cover claims of negligence, misconduct, errors, or omissions in the performance of professional services. 

For instance, if a teacher at Savannah College of Art and Design faces a lawsuit over grading practices, our professional liability coverage would provide legal defense and financial protection.

There are some exclusions not covered by professional liability policies for educators may include intentional wrongdoing, criminal acts, and claims related to bodily injury or property damage (which are typically covered under general liability policies).

Cyber Liability Insurance

In an era of increasing digital threats, cyber liability insurance program is designed for educational institutions. 

Our policies help protect Georgia schools from:

• Data breaches exposing student information
• Ransomware attacks
• Phishing scams targeting staff and students
• Denial of service attacks disrupting online learning platforms

What if a university experiences a data breach affecting thousands of student records? Our cyber liability coverage would help cover the costs of breach notification, credit monitoring for affected individuals, and potential legal expenses. The coverage provides protection if a client sues you for privacy breach due to a cyber attack. 

We work with institutions to develop robust cybersecurity protocols and incident response plans. This proactive approach helps minimize the risk of cyberattacks and ensures a swift response if an incident occurs.

Auto Insurance

Commercial auto insurance for educational institutions can include coverage for school-owned vehicles, hired and non-owned vehicles, and liability protection for accidents involving staff or students during school-related transportation.

Workers’ compensation

While professional liability insurance could help protect you against claims from third parties, workers’ compensation insurance covers injuries or illnesses that employees may suffer on the job. It also provides coverage for lost wages and hours lost.

Business Owner’s Policy

A Business Owner’s Policy (BOP) typically combines general liability and property insurance, while professional liability insurance helps pay for claims that you were professionally negligent or committed errors in service.