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• Private Schools
• Public Schools
• Charter Schools
• Church-Affiliated Schools
• Vocational Schools
• Community Colleges
• Small Private or Public Colleges
• Mothers Day Out Programs
• Educational Testing Centers
• Special Need Schools
• Driving Schools
• Montessori Schools

• General Liability- Enhancements
  • School Broadcasting and Publication Activities
  • Fellow Employee Coverage
  • Blanket Additional Insured
  • Unlimited Failure to Disclose Hazards
  • General Aggregate- Per Location
  • Bodily Injury Redefined to Include Mental Anguish
  • Employee Benefits Liability
• Commercial Automobile
  • Driving School Coverage
  • School Employees are Insured’s
  • International Liability
• Garage Keepers Liability
• Workers Compensation
  • Employers Liability
  • International Repatriation
  • 24 hour Coverage
• Special Liability
  • Sexual Misconduct and Molestation Liability
    • Separate Limited of Liability
    • Innocent Party Defense Coverage
  • School and Educators Legal Liability
    • Claims-Made Coverage
    • Worldwide Coverage Territory
    • Trustees, Board Members, Employees, Substitute Teachers, Volunteer Workers and Student Teachers are included as insured’s
    • Coverage for administrative or regulatory proceedings established under federal, state or local laws
  • Law Enforcement Professional Liability
    • School’s Board of Governors, Board of Education, Board of Trustees or Commission, Employees and Volunteers are included as insured’s.
• Cyber Liability Coverage
  • 1st party expense Coverage
    • Cost to Notify
    • Cost to Monitor
    • Reputational Repair
  • 3rd Party Liability
• Inland Marine
  • Equipment Floater- Includes Instruments and Athletic Gear
  • Signs
• Excess Liability
  • Includes coverage for General Liability, Automobile Liability, Employers Liability, Sexual Misconduct and Molestation Liability, School & Educators Professional Liability and Law Enforcement Professional Liability.
• Student Accident
• Emergency Event Management
  • Emergency Event Communication Expense
  • Emergency Event Business Income (and Extra Expense)
  • Post Emergency Event Expense
  • Emergency Event Management- Responds To:
    • Actual or attempted violent acts
    • Premises contamination from bacterial micro-organisms transmitted through human contact with food. This also includes interruption of operations due to the hepatitis virus, legionnaire’s disease and/or noroviruses (a family of airborne stomach flu viruses). No other diseases or illnesses are covered.
    • Suspension of operations due to contaminated food
    • Specified felonies, such as child abduction, sexual assault, or criminal use of a firearm
    • Other emergency incidents such as fire, explosion, workplace accident that results in adverse regional or national news coverage of the insured’s business