School Insurance for Continuing Education Institutions

Why Is School Insurance Important?

Continuing education institutions face many risks, such as:

Sport injuries, like concussions or broken bones
Cyberbullying that targets a student
Harassment or discrimination claims among the student body or staff

These risks are on top of common ones that institutions face throughout the school year, like property damage. With the right business insurance, you can help protect your business from these types of risks.

Who Needs Continuing Education Insurance?

Continuing education seminars or conferences
Management development training centers
Professional development training facilities
Online continuing education programs
Higher education certificate programs
Art schools
Cooking schools
Dressmaking schools
Personal development schools
Language schools
Curriculum development programs
Vocational schools
Trade school
Technical schools

What Is the Best Online Insurance for Continuing Education?

Every school has unique needs. To find the coverage that fits yours best, you’ll want to compare your insurance options. With The Hartford, you can customize your coverage to make the best insurance plan that fits your school.

Many education institutions start with a Business Owner’s Policy (BOP). This includes three essential coverages to help protect you from property damage and bodily injury. A BOP has:

General liability insurance to help protect your school from claims that it caused bodily injury or damaged someone else’s property.

Commercial property insurance, which helps protect your school’s building and equipment, whether it’s owned or rented. This insurance can help cover your:

Computers
Furniture, like desks and chairs
Supplies
Documents and paperwork
Filing cabinets

Business income insurance to help recover your school’s lost income if it can’t open because of covered property damage.

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Protecting Your Continuing Education Operations

Schools store lots of sensitive records and documents. From student information to financial paperwork, you may be more at risk than you think. Data breaches and other disasters are common, but with the right education insurance, you can make sure your school stays protected.

The average cost of a data breach in the education industry in 2020 was $3.9 million, making it one of the top 10 costliest industries.¹

Computer Hacking

“We were notified that our school’s computer system got hacked over the holiday break. Personally identifiable information was stolen. We not only had to notify each student, but also offer them identity theft monitoring services.”

Data breach insurance, which an insurance company might refer to as cyber insurance, can help pay to:

Notify impacted individuals
Hire a public relations firm
Offer credit monitoring services to data breach victims

Employee Lawsuit

“We had to let a teacher go because of his performance. And even though we had all his work history properly documented, he still ended up suing us for discrimination.”

Our Educators Legal Liability Coverage helps protect your school from alleged employment practices wrongful acts.

Taking Care of Your Team of Educators

If your staff get injured on the job, it can put them out of work while they recover. Having to hire substitutes can impact your education expenses, as well as putting a strain on your school’s operations. Get the protection your school needs and give your teachers peace of mind as they work by relying on an insurance company you know has your back. We have the coverages you need to keep your school running successfully with our continuing education insurance.

Teachers at all grade levels can face threats or get physically attacked in school, according to the National Center for Education Statistics.²

Staff Injury

“Our art teacher accidentally cut his hand while teaching a decoupage course. We had to cancel classes for a week while he took some time off to heal.”

Workers’ compensation insurance gives your teachers and staff benefits to help them recover from work-related injuries or illnesses. Most states require employers to carry this insurance coverage.

Employee Emergency

“One of my specialty teachers had a family emergency and had to take a leave of absence for two months. Since we couldn’t find a replacement to teach her course, we lost out on a semester of registration for that class.”

Our Business Income for Essential Personnel coverage can replace your school’s lost income if an essential employee is absent for at least 30 days.

Protecting Your School’s Property

Having a safe and dependable location where your students can learn is important. However, maintaining your property means dealing with risks. For instance, you probably rely on expensive technology and equipment to teach courses. That’s why it’s important to have good insurance. Continuing education institutions should have school insurance made for their specific needs. This can help protect the equipment and supplies you rely on to run your school.

One incident of vandalism can cost businesses an average of $3,370.³

Student Property Damage

“The sprinklers in a classroom went off and damaged students' laptops. They wanted us to cover the repairs or costs to replace the computers.”

Personal effects coverage can help with the costs if a student’s property gets damaged or lost from a covered incident.

Sewage Issue

“After a big storm, we had a sewage backup in one of our bathrooms. This not only caused a terrible smell, but also significant water damage to the first floor.”

Backup of Sewers and Drains coverage can help cover your clean-up costs if there’s a backup.

Continuing Education Insurance You Can Count On

Our insurance company is proud to work with continuing education institutions around the country. We understand the unique challenges your school faces, and we’re here to help you get through them. Our specialists regularly receive high ratings for customer service.* We can work with you to make sure you get the right continuing education insurance policy.

Discover related professions we insure:

Learn More About Our Continuing Education Insurance

Get the protection you need to help keep your school running successfully.

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For Larger Institutions

Larger educational institutions and schools typically require specialized insurance coverage.

Learn About Business Needs

¹ IBM Security, “Cost of a Data Breach Report 2020”

² National Center for Education Statistics, “Indicators of School Crime and Safety: 2018”

³ Chron.com, “What Can Vandalism Cost a Business?”

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School Insurance for Continuing Education

School Insurance Made for Continuing Education Institutions