Rising Education Insurance Costs Demand Expert Solutions

Educational institutions face unprecedented challenges in 2025. Average insurance rate increases of 5% continue, while general liability claim costs have surged 200% over four years. Since 1999, educational institutions have experienced a 231% increase in commercial general liability losses over $1M.

The Allen Thomas Group understands these pressures. We've spent over 20 years simplifying the complex insurance process for educational institutions, saving our clients time and money while ensuring comprehensive protection.

Why Schools Choose Us:

• Local expertise, national reach across 20+ states

• Personalized service tailored to your institution's unique needs

• Smart & easy process that saves time and reduces costs

• Proven track record with K-12 schools through major universities

Comprehensive Property Insurance & Liability Coverage Solutions

Essential Property Insurance Protection

Your educational facility represents a significant investment. From specialized buildings and cutting-edge technology to libraries and athletic facilities, proper property insurance ensures rapid recovery from unexpected losses.

Our Property Insurance Coverage Includes:

• Buildings and structures - classrooms, dormitories, administrative offices

• Technology and equipment - computers, lab equipment, audio-visual systems

• Educational materials - textbooks, supplies, specialized learning tools

• Athletic facilities - gymnasiums, fields, equipment storage

• Business interruption protection - maintaining operations during covered repairs

With recent natural disasters affecting schools nationwide, including 9 school campuses lost in the January 2025 Los Angeles wildfires, comprehensive property protection has never been more critical.

Liability Insurance & Risk Management Strategies

General Liability Coverage protects your institution from third-party claims including slip-and-fall accidents, property damage, and personal injury lawsuits. This foundational coverage addresses the most common exposures educational institutions face daily.

Professional Liability Insurance covers claims alleging failure to deliver educational services, educational malpractice, or inadequate academic performance. This specialized coverage protects against lawsuits questioning your institution's educational methods or outcomes.

Key Liability Protection Areas:

• Visitor and student injury claims

• Educational malpractice allegations

• Campus safety incidents

• Athletic program injuries

• Field trip and off-campus activities

Specialized Student Accident Insurance & Workers Compensation

Student Accident Insurance Coverage

Students face various risks throughout their educational journey. Our student accident insurance provides essential medical coverage for injuries occurring during school activities, sports participation, and campus events.

Student Protection Features:

• 24/7 coverage on and off campus

• Athletic injury protection for all sports programs

• Field trip and travel coverage for educational excursions

• Laboratory and workshop safety protection

• Emergency medical expenses with flexible benefit levels

Workers Compensation & Staff Protection

Your faculty and staff deserve comprehensive protection. Our workers compensation insurance ensures injured employees receive proper medical care while protecting your institution from costly liability claims.

Staff Coverage Benefits:

• Medical expense coverage for work-related injuries

• Lost wage replacement during recovery periods

• Rehabilitation services to support employee return-to-work

• Legal protection from employee injury lawsuits

• Administrative support for claims management

Cyber Liability Insurance & Directors Officers Protection

Cyber Liability Insurance for Educational Data Security

Educational institutions store vast amounts of sensitive data - student records, financial information, health records, and research data. The average cost of a data breach in education reached $3.9 million in 2020, making cyber protection essential.

Cyber Coverage Protections:

• Data breach response - notification costs and credit monitoring

• Cyber extortion - ransomware and hacking demands

• System restoration - rebuilding compromised networks

• Regulatory fines - compliance violation penalties

• Business interruption - income loss from cyber incidents

Directors and Officers Insurance Leadership Protection

Educational leaders face increasing liability risks in today's complex environment. Title IX compliance requirements and evolving regulations create additional exposure for decision-makers.

Leadership Coverage Areas:

• Management decision liability - board and executive actions

• Employment practices claims - discrimination and harassment allegations

• Regulatory investigations - government agency inquiries

• Student grievance procedures - academic and disciplinary decisions

• Crisis management support - reputation protection services

Emerging 2025 Risk Management & Specialized Coverage

Campus Safety & Security Insurance Solutions

Recent campus unrest and protest activities have created new liability exposures requiring specialized insurance attention. Our comprehensive approach addresses modern campus safety challenges.

Modern Campus Risk Coverage:

• Civil unrest protection - property damage from protests or demonstrations

• Active shooter response - crisis counseling and communication costs

• Sexual misconduct claims - Title IX compliance and legal defense

• Mental health liability - suicide prevention and counseling program protection

• Social media defamation - online reputation and privacy claims

Tuition Refund Insurance & Business Interruption Protection

Unexpected events can disrupt educational operations, affecting both revenue and student satisfaction. Our specialized coverage ensures financial stability during difficult periods.

Revenue Protection Features:

• Tuition refund coverage - student withdrawals due to covered events

• Room and board reimbursement - residential program interruptions

• Extended period coverage - ongoing expenses during recovery

• Enrollment decline protection - revenue loss from reduced applications

• Alternative delivery costs - remote learning technology expenses

Why Choose The Allen Thomas Group for Educational Institution Insurance

Over 20 Years of Educational Insurance Expertise

We've built our reputation by understanding the unique challenges educational institutions face. Our team combines deep industry knowledge with personalized service, ensuring your coverage matches your specific needs and budget.

Our Proven Approach:

Step 1: Comprehensive Risk Assessment We evaluate your institution's specific exposures, from campus size and student population to specialized programs and facilities.

Step 2: Customized Coverage Design Using our extensive carrier relationships, we craft insurance solutions that provide optimal protection at competitive rates.

Step 3: Ongoing Support & Advocacy We remain your dedicated partners throughout the policy period, handling claims, coverage questions, and renewal negotiations.

Local Akron Expertise, National Insurance Reach

Based in Akron, Ohio, we serve educational institutions across 20+ states. This combination of local accessibility and national capability ensures you receive personalized attention backed by comprehensive market access.

Client Success Indicators:

• Faster claim resolution through dedicated education specialists

• Competitive premium rates via extensive carrier relationships

• Risk management support including safety training and loss prevention

• 24/7 claims assistance for emergency situations

• Annual coverage reviews ensuring protection keeps pace with growth