Education Insurance
Helping educational establishments to optimise academic achievements
Educational establishments need to keep evolving to maximise opportunities for student success. Travelers understands that taking the steps to thrive can also mean exposure to several risks along the way.
That's why we work closely with each organisation to design education insurance policies suited to their specific needs. Establishments can rely on insurance and risk management protection that helps them plan for success for now – and the future.
Explore education subsectors
Primary/secondary education
For primary and secondary education institutions, asset and liability protection is critical. Our education insurance cover can meet the requirements of a range of establishments.
Further/higher education
For colleges and universities, asset and liability protection is essential. Our education insurance programme can meet the requirements of a range of establishments.
Spotlight video: Education insurance
Discover the key highlights of our education insurance in just a few minutes. Watch James Hampson, Portfolio Manager, as he shares an overview of who our specialist cover is tailored for and what sets Travelers apart in this sector.
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Logo: A red umbrella. Text: Travelers. Spotlight on Education Insurance. Overview of Travelers Education Insurance. James Hampson, Portfolio Manager – Education.
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We have a specialist product designed to address the unique risks facing educational institutions and the wider learning sector across the UK and Ireland.
Having been in the sector since 1991, we provide a specialist proposition which has been specifically tailored to meet the needs of educational risks, rather than offering a standard commercial combined policy.
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Text: Tenure in the sector
Cover tailored for Education risks
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Our product offers comprehensive coverage for both property and casualty risks, collectively ensuring that places of learning receive the protection they need with Travelers’ expertise and commitment to the sector.
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Text: Why does an education business need this insurance?
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Like most modern businesses, educational institutions often have significant physical assets, such as buildings and equipment, which require protection against potential damage from fire, flood, and other perils.
Business interruption needs have also become increasingly complex and imperative to understand as the education landscape evolves, with more learning moving online and accelerated private investment in the sector, including research and apprenticeship programmes.
When it comes to liability insurance, the education sector has a duty of care for all students, including those that are younger or more vulnerable. Coverage is also essential for exposures such as extracurricular activities and school trips.
Professional liability is also a concern, with potential claims related to educational malpractice or failure to educate properly.
Legal defence needs, such as those related to civil action regarding freedom of speech in colleges and universities, and Charity Commission investigations, further underscore the importance of comprehensive insurance coverage.
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Text: Specific covers for the Education sector:
- Liability insurance for extracurricular activities
- Professional liability cover for breach of professional duty
- Legal defence cover for school admissions appeals and exclusion of students
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Text: Who is this product for?
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Our insurance is designed to meet the needs of further education colleges, higher education institutions (including universities), professional business and secretarial schools, as well as independent schools.
We’ve also expanded our risk appetite in recent years to include other adult education and training establishments, apprenticeship schemes, and exam centres, as well as other educational support services, to ensure we’re meeting the needs of an ever-evolving sector.
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Text: Appetite for:
- Adult education centres
- Colleges of further education
- Universities
- Independent primary and secondary schools
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Text: Why Travelers?
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In addition to the core covers, an important part of our client proposition is our proactive rehabilitation service which is a fantastic benefit that provides rehabilitation support to an employee injured at work.
We are also one of the very few insurers that can provide a professional liability section, incorporating professional indemnity and governors’ & officers’ coverage.
And what also sets us apart is our ability to combine our specialist education proposition with our global capabilities for institutions with international operations.
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Text: Professional indemnity, governors’ and officers’ coverage, global cover
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And the result? We passionately believe our education product and proposition, fused with our underwriting expertise within the education sector, adds true value to each and every one of our education clients.
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Logo: A red umbrella. Text: Travelers. This video is provided for general informational purposes only. It does not, and it is not intended to, provide legal, technical or other professional advice, nor does it amend, or otherwise affect, the provisions or coverages of any insurance policy issued by Travelers. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy provisions, and any applicable law. Travelers operates through several underwriting entities in the UK and Europe.
Travelers advantage
In the education sector, things don’t always go to plan. Travelers offers expertise you can count on to address the diverse risks each establishment might face thanks to a detailed and bespoke underwriting process.
- Financial strength. Financial strength and stability with international reach.
- Experience & expertise. Long-term industry experience combined with deep specialist underwriting expertise.
- Superior claims service. Expert Claims teams focused on delivering superior service.
- Dedicated risk managers & consultants. Access to risk consulting from trusted experts.
- Safety Academy. Access to Institute of Occupational Safety and Health Managing Safety classroom courses.
Let’s start the right conversation
For business
Find a broker
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Need to call us directly? Contact us.
For brokers
Ready to chat?
Let’s work together to build the right cover for your client. Your local Travelers office is the best starting place for this. You can find them listed here.
Case study
When this customer’s school building suffered storm damage, they reached out to Travelers to make a claim
On the eve of a bank holiday, a severe storm caused a Travelers customer’s school building to suffer major damage to its roof.
This resulted in hundreds of thousands of pounds worth of repairs and the need to temporarily relocate the school until said repairs were completed.
Upon discovery, the customer notified the Travelers 24/7 freephone claims number, and the case was allocated to a Senior Claims Professional (SCP).
The Travelers SCP entered discussions with the customer to understand their situation and provide guidance and support. Instructions were then handed to a loss adjuster, who contacted that customer on the same day.
With help from the loss adjuster, the customer took steps through their own teams to secure and protect the building and conduct temporary works.
Proactive conversations were maintained between the customer and loss adjuster to agree to a reinstatement strategy within two weeks of the damage occurring.
The loss adjusters preliminary report was also received within this time, allowing Travelers to issue prompt interim payments for the works to be completed in line with the agreed-upon reinstatement strategy.
The repairs were finalised within nine months and allowed for the school to re-open in time for the new academic year.
Related services
Risk services
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Claims services
When claims happen, our best-in-class service helps to resolve them quickly and effectively, so clients can get back to business.
Insights & industry knowledge
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Risk Management Resources
Managing Buildings During School Holiday Periods
Losses often occur during school holidays. These losses include arson, vandalism and theft as well as fires due to poorly managed building activities involving hot work processes. This guide explores some of the risks and control measures required.
Risk Management Resources
Prevent Crime, Vandalism & Arson
Advice on how to prevent crime, vandalism and arson.
Weather Safety Resources
Wind
Planning ahead is critical to protecting property from heavy winds and other extreme weather conditions.
