Educational institutions
Educational institutions can face complex industry-specific challenges. Hanover Education Advantage offers comprehensive coverage for the risks facing today's schools.

The Hanover provides educational institutions of all types with comprehensive insurance solutions, from standard lines to specialized coverages. Our goal is to give schools the best choice—in the people they trust for insurance needs, in the comprehensive coverage they can purchase and in the premium costs they can save.

Hanover Education Advantage targets a wide range of mid-sized educational institutions. Our appetite for educational institutions varies by state and line of business. Please contact your local underwriter to discuss specific opportunities.


The appetite below outlines our target appetite for mid-sized educational institutions.

Primary - secondary (K-12)

Primary - secondary (K-12)

  • Private/independent schools
  • Public charter schools
  • Vocational schools
  • Religious schools
  • Fine arts schools

Higher education

Higher education

  • Colleges/universities
  • Community colleges
  • Vocational/trade schools
  • Seminaries

Continuing education

Continuing education

  • Professional development
  • Public speaking
  • Tutoring and test preparations
  • Computer training
  • Business and secretarial
  • Culinary

 

Not in appetite

The Hanover does not target the following areas: 

  • Nursery schools/child day care
  • Commercial driving schools
  • Contracted bus transportation companies
  • Apprenticeship trade programs
  • Massage therapy schools
  • Flight training

 

Property and general liability

Property

  • Selection of base property broadening endorsements that add or enhance more than 65 coverages
  • Add the educational institutions property broadening endorsement below to a base property endorsement to further tailor industry-specific coverage.

Educational institutions property broadening endorsement 411-0812

Coverage Limits Coverage Limits

Automated external defibrillators

$5,000

Paved surfaces

$100,000

Broadened building coverage

Included

Personal effects of students

$100,000

Business income and extra expense — fundraising events

$50,000

Real property of others required by contract

$5,000

Emergency evacuation expense

$25,000

Special settlement provisions
- Agreed amount coverage (losses <=$25,000)
- Replacement cost — leased personal property


Included
Included

Glass showcases

$2,500

Spoilage — on premises
Spoilage — in transit

$25,000
$5,000

 

General liability 

  • Suite of general liability broadening coverage that add or enhance over 13 coverages
  • Educational institutions professional services liability endorsements
  • Physical abuse, sexual misconduct and sexual molestation coverage
  • Add the educational institutions general liability broadening endorsement below to the base general liability broadening endorsement to further tailor coverage.

Commercial general liability enhancement endorsement – educational institutions 421-2925

Coverage Limits Coverage Limits

Additional insured — broad form vendors

Included

Medical payments for students exclusion

Included

Additional insured — board members, trustees, student teachers, safety patrol and approved groups

Included

Mobile equipment redefined

Included

Aggregate limit per location

Included

Personal injury — broad form

Included

Aircraft, auto or watercraft amendments

Included

Personal injury — televised or videotaped publication

 

Included

Broad form named insured

Included

Property damage legal liability
- Broad form
- Fire, lightning, explosion, smoke and leakage from fire protective systems damage limit

 

$1,000,000

Broadcasting and publication — personal and advertising injury

Included

Who is an insured extension — co-employees and volunteer workers

Included

Clinic or hospital exclusion

Included

 

School and Educators Legal Liability

The Hanover’s School and Educators Legal Liability (SELL) offering is designed to provide the protection and flexibility educational institutions need, with coverage including:

  • Educators liability – offers protection to educational institutions and their employees, substitute teachers, volunteers, student teachers and interns against actual or alleged wrongful acts while performing their duties for the educational institution
  • Directors and officers liability – offers protections for actual or alleged wrongful acts by individual insureds and the organization including errors and omissions, neglect, breach of duty and more when performing their duties for the institution
     

Coverage highlights include:

  • Defense coverage outside the limits of liability
  • Broad definition of who’s covered - including executives, trustees, authorized parent-teacher organizations and more
  • Automatic extended reporting period for 60 days with options of 12, 24 and 36 months
  • Multiple deductible options to further tailor solutions
  • Option to add Employment Practices Liability (EPLI) endorsement
School building exterior

 

Additional coverage options

 

Professional and executive lines

Professional and executive lines

Surety

Surety

Hanover Education Advantage protects against the unique risks faced by educational institutions. Unlock the Hanover advantage.
 

 

Risk management services

Our training options include employee screening, professional boundaries, abuse and molestation, workplace harassment, discrimination and respect training.

Learn more

 

Competitive products

Our innovative and comprehensive product suite provides options designed to fit current and future needs, including:

  • Industry-specific broadening endorsements
  • School and educators legal liability coverage
  • Account-focused solutions

 

Dedicated claims team

Our claims teams have years of industry expertise and experience handling the unique types of claims educational institutions can face. We employ experts in the fields of water mitigation, subrogation, risk transfer, litigation management, nurse and legal analysis, accounting, and SIU.

 

 

Significant experience

We have expert, local underwriting resources with national product claims and loss control services, all supported by regional experts.

 

Risk Solutions partnership

We offer a suite of distinctive e‐learning courses—available at no additional cost to policyholders—on a variety of topics relevant to organizations that provide care to others, including applicant screening, bullying prevention, child abuse and neglect, child abuse prevention and response strategies and mandated reporter responsibilities.

Learn more

 

Trusted partner

We offer the support and financial strength of an "A"-rated leading insurance carrier.

 

Appetite

The Hanover provides educational institutions of all types with comprehensive insurance solutions, from standard lines to specialized coverages. Our goal is to give schools the best choice—in the people they trust for insurance needs, in the comprehensive coverage they can purchase and in the premium costs they can save.

Hanover Education Advantage targets a wide range of mid-sized educational institutions. Our appetite for educational institutions varies by state and line of business. Please contact your local underwriter to discuss specific opportunities.


The appetite below outlines our target appetite for mid-sized educational institutions.

 

Not in appetite

The Hanover does not target the following areas: 

  • Nursery schools/child day care
  • Commercial driving schools
  • Contracted bus transportation companies
  • Apprenticeship trade programs
  • Massage therapy schools
  • Flight training

Industry resources

 

 

Educational institutions coverage scenarios

These coverage scenarios help educational institutions understand their unique exposures and the importance of minimizing losses.

Download now

Resources for your customers

Our Risk Solutions program includes onsite and remote assessments, on-demand learning, self-service tools and custom action plans that address the complex demands and issues facing your clients in education.

Strategies to keep an organization safe

School safety checklist

See all of our Risk Solutions solutions for educational institutions

 

Customer tools

Claims reporting

My Hanover Policy

 

 

Let's start a conversation today

Contact a member of our team to learn more about our coverage and services, and how we can help you tailor a solution for you and your clients.

Property and casualty

Christine West
Director, Educational Institutions
615-389-7361
ch1west@hanover.com

Marine and industrial property

Chris Zaneski
Vice President, Distribution Management
240-638-5706
czaneski@hanover.com

Professional and executive lines

Christine West
Director, Educational Institutions
615-389-7361
ch1west@hanover.com