Educational institutions | The Hanover Insurance Group

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)

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

Higher education

Colleges/universities
Community colleges
Vocational/trade schools
Seminaries

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

Additional coverage options

Law enforcement and professional liability coverage
Employee benefits liability
Automobile
Umbrella
Workers’ compensation
International

Professional and executive lines

Fidelity and crime

Marine

Surety

Commercial surety bonds including private school bond and driving school bond

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 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

Product offerings

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

Additional coverage options

Law enforcement and professional liability coverage
Employee benefits liability
Automobile
Umbrella
Workers’ compensation
International

The Hanover advantage

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

Significant experience

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

Risk Solutions partnership

Learn more

Trusted partner

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

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 you

Educational institutions applications

Policy forms library

Marketing materials

Educational institutions general liability guide

Equipment breakdown coverage overview

Emergency event management

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