North Carolina Educational Institution Insurance

North Carolina schools face an array of risks and need adequate coverage to protect their property, professional activities, staff, students, and reputation. 

Our team crafts insurance packages that fit each school’s unique needs and budget.

What if your school faces a lawsuit? 

Our liability insurance coverage protects your institution’s reputation and finances. We’ve successfully defended schools against various claims through the power of insurance protection, preserving their standing in the community.

Here are the top insurance programs to choose from to protect the university, school, or college in NC state.

Property insurance

We protect your school’s physical assets. Our policies cover buildings, equipment, and supplies against damage or loss.

Key features:

• Full replacement cost coverage
• Protection against natural disasters
• Coverage for outdoor structures and fields

What if a fire damages your science lab? 

Our property insurance ensures quick replacement of equipment, minimizing disruption to your curriculum.

 Liability Insurance 

Our liability programs are designed to safeguard your institution from legal claims. We cover bodily injury, property damage, and personal injury scenarios.

Liability Coverage includes:

• North Carolina General liability insurance policy 
• Professional liability coverage (also known as errors and omissions coverage)
• Employment practices liability

What if a student is injured during a school event? 

Our liability policy covers medical expenses and potential legal costs, protecting your school’s finances.

Getting professional liability protection is a necessity for educational facilities to cover all employees found guilty of negligence, errors or omissions in their university duties.  

Our liability insurance policies offer robust protection with comprehensive coverage limits, including specific per insured per occurrence and aggregate per insured caps to safeguard your school from significant financial losses.

Student Accident Insurance

We offer policies that cover students during North Carolina public school activities and sports. This insurance helps families manage unexpected medical costs and protects schools from potential liability.

Benefits include:

• Coverage for on-campus and off-campus activities
• Support for families with limited health insurance
• Reduced risk of liability claims against the school

What if a student breaks an arm during recess? 

Our student accident insurance covers medical costs, easing the burden on families and the school.

Cybersecurity Insurance

In today’s digital age, schools are increasingly vulnerable to cyber threats. We provide comprehensive coverage against data breaches, ransomware attacks, and other digital risks.

Our cybersecurity insurance includes:

• Data breach response services
• Cyber extortion coverage
• Network security liability

What if hackers access your student records? 

Our cyber insurance covers the costs of notification, credit monitoring, and potential legal fees.

Business Interruption Insurance

When unforeseen events disrupt school operations, business income interruption insurance keeps your institution financially stable.

This coverage provides:

• Compensation for lost income
• Funds for temporary relocation
• Support for ongoing expenses during closure

What if a severe storm forces your school to close for weeks? 

Our business interruption insurance ensures you can continue paying staff and maintain essential services if an eventuality obstructs your business.