Illinois Educational Institution Insurance

We have a history of providing a full spectrum of coverage options tailored to the unique needs of educational institutions across Illinois, depending on your risk level. Our goal is to identify and fill the gaps that potential risks pose to your educational facility. 

Property Insurance
Our property insurance safeguards your school’s physical assets against a wide range of perils.

We cover buildings, from classrooms to administrative offices, ensuring your structures are protected.

Contents coverage extends to furniture, educational materials, and valuable equipment. We also insure specialized equipment, such as computers, laboratory instruments, and athletic gear.

Sports facilities, including gymnasiums, fields, and stadiums, are included in our comprehensive property protection. What if a fire damages your main building? Our policy would cover repairs and replacements, minimizing disruption to your educational mission.

Liability Insurance
 Our liability coverage shields your institution from various legal challenges. General liability protects against claims of bodily injury or property damage that occur on your premises.

Professional liability, also known as educators’ liability, is part of liability coverage and covers allegations of educational malpractice or failure to educate.

Employment practices liability safeguards against claims related to wrongful termination, discrimination, or harassment.

What if a visitor slips and falls on campus? 

Our general liability coverage would handle the claim, covering medical expenses and potential legal costs.

Cyber Insurance

In today’s digital age, cyber protection is crucial for educational institutions. Our cyber insurance covers data breaches, protecting you if sensitive information is compromised.

We provide ransomware protection, helping you respond to and recover from malicious attacks on your systems.

Business interruption coverage within our cyber policy ensures you can continue operations if a cyber event disrupts your network. What if hackers breach your school database? 

Our policy would cover notification costs, legal fees, and provide expert incident response support.

Student Accident Insurance

 The safety of students is paramount, and our accident insurance provides an extra layer of protection. This coverage applies to incidents that occur on campus, whether in classrooms, playgrounds, or other school facilities. It also extends to school-sponsored activities off-campus, such as field trips, sports events, or educational excursions.

What if a student is injured during a chemistry experiment? 

Our policy would cover medical expenses, potentially saving the school from costly litigation.

Business Interruption Insurance

Unexpected events can disrupt school operations, and our business interruption insurance helps you weather these challenges. This coverage kicks in when unforeseen circumstances force your school to close temporarily.

It provides financial protection by covering ongoing expenses and lost income during the closure period. What if a severe storm damages your school, forcing a month-long closure for repairs? 

Our business interruption coverage would help cover payroll and other fixed costs, ensuring financial stability during the recovery period.

These comprehensive solutions address the multifaceted risks faced by schools. Whether it’s protecting your physical assets, safeguarding against liability claims, securing your digital infrastructure, ensuring student safety, or maintaining financial stability during disruptions, our policies have you covered.

We understand that each educational institution is unique, which is why we work closely with you to customize these coverages to your specific needs and risk profile.

What if your science lab equipment is damaged? What if a student is injured during a field trip? 

Our policies address these scenarios and more.