Michigan Educational Institution Insurance

The Allen Thomas Group provides a wide range of insurance options for Michigan educational institutes. Our coverage includes:

Property insurance

Buildings, contents, equipment, and physical assets are safeguarded under property insurance policies. This insurance covers schools against property loss and damage from fires, natural disasters, theft, and vandalism. 

It covers repair or replacement costs, ensuring minimal disruption to educational activities when damage occurs. Property insurance is essential for maintaining the financial stability of educational institutions in the face of unexpected events.

General Liability Insurance 

Bodily injury and property damage claims are covered by our general liability insurance. This policy protects schools from legal and financial repercussions if a student, visitor, or third party is injured on school grounds or if their property is damaged. It also covers advertising injury and reputational harm.

Our general liability policy includes defense costs for lawsuits, making it a crucial part of a school’s risk management strategy. 

Professional Liability Insurance

Schools need professional liability insurance to cover educational malpractice,  negligence, and errors and omissions. Also known as malpractice insurance or errors and omissions insurance, liability insurance coverage is crucial for educators and administrators, as it shields them against claims of negligence, misrepresentation, or failure to educate.

Without professional liability insurance, schools and staff may be vulnerable to costly lawsuits.  

Our professional liability coverage protects educational facilities from claims related to professional services. This includes protection against allegations of failure to meet professional standards, which could cost your institution dearly without proper insurance.

Student Accident Insurance

Medical expenses from on-campus injuries are covered by our student accident insurance. This policy provides financial protection for students who may be injured during school activities, sports events, or on school premises.

It can cover medical bills, ambulance services, and even dental injuries. 

Student accident insurance offers peace of mind to parents and reduces the school’s exposure to potential lawsuits related to student injuries.

Cyber Liability Insurance

Data breaches and cyber attacks are increasingly common threats to educational institutes. Our cyber liability insurance protects schools from the financial fallout of such incidents.

This policy covers costs associated with data recovery, notification of affected parties, legal fees, and potential settlements. It also provides services to help schools strengthen their cybersecurity measures.

Cyber liability insurance is essential for securing sensitive student and staff information. 

Workers Compensation Insurance

Employee injuries and lost wages are covered under workers compensation insurance. This policy is required by law and ensures that employees must receive medical care and compensation for lost wages if injured on the job.

It also provides the right level of coverage for schools, protecting them from potential lawsuits related to workplace injuries. Workers comp covers all employees, including teachers, administrators, and support staff, providing comprehensive protection for the school’s workforce.

Workers comp insurance helps protect your employees and institution. We work with top insurance carriers to provide competitive rates and comprehensive coverage.

Commercial Auto Insurance

School vehicles and transportation liabilities are covered by commercial auto insurance.

This policy shields schools from financial losses due to accidents involving school-owned vehicles, such as buses or maintenance trucks. It covers damage, bodily injury, and legal expenses resulting from auto accidents.

Commercial auto insurance also includes coverage for hired and non-owned vehicles, ensuring comprehensive protection for all school-related transportation activities. 

For schools with vehicle fleets, we offer comprehensive automobile liability insurance. Auto policies cover a broad range of vehicles and usage scenarios, ensuring your transportation needs are fully secure.

We tailor each policy to the specific needs of your institution. A small private school in rural Michigan may be required to have different coverage than Michigan State University.

Our team works closely with you to identify your unique risks and create a policy that provides optimal protection.

Other Options

The Allen Thomas Group serves a variety of educational facilities across Michigan. Each institution has specific insurance requirements. 

Malpractice Insurance

For institutions with medical programs, we offer medical professional liability coverage.
Reimbursement Policies

Our policies can include provisions for reimbursement of certain expenses related to covered events.

Deductibles and Premiums

We work with you to find the right balance between deductibles and premiums to fit your budget.

Exclusions

We communicate any policy exclusions to ensure you understand your coverage fully.

Self-Employed Educators

We offer specialized policies for self-employed educators and consultants.