College & University Insurance
Allowing institutions to pave the student pathway
Further and higher education plays a crucial part in forming the first step in many people’s adult lives, with educational requirements growing in complexity along with the associated liability and property risks. Travelers’ dedicated team has the deep experience required to both confidently determine these risks and cover institutions on an individual basis.
Institutions can rely on an insurance and risk management provider with a long-term understanding of the further and higher education sector, including A-levels, vocational qualifications, degrees and more. We aim to develop comprehensive, flexible and tailored policies that work to reward well-managed risks. With Travelers, institutions can focus on what matters most – providing quality and focused education to prepare students for the next step in their lives.
Our appetite
We cover
These fall within our appetite, and we’re happy to discuss details.
- Colleges of further education
We’ll consider
We may need more information to confirm a fit.
- Universities
- Colleges of higher education
College and university education covers & highlights
-
Material damage
- Protection against ‘all risks’ or fire and selected perils for property, including
- Buildings
- Contents
- Fixtures and fittings
- Protection against ‘all risks’ or fire and selected perils for property, including
-
Business interruption
- Cover for reduction in gross revenue and/or additional cost of working suffered in consequence of material damage
-
Computer
- Specially designed cover for computer equipment and records
-
Money
- Cover for loss of money and personal injury arising from robbery or assault
-
Fidelity guarantee
- Protection against loss of money or property through theft or fraud by employees
-
Employers’ liability
- Covering legal liability to employees for death, injury or disease arising out of their employment
-
Public liability
- Legal liability insurance cover for third-party injury or property damage, including many additional benefits such as libel and slander cover as standard
-
Professional liability
- Protection against claims for damages brought against the college or school arising from dishonesty or breach of professional duty
- Protection for governors against liabilities incurred as a result of breaches of duty, trust or authority arising out of their official responsibilities
-
Legal expenses
- Underwritten and handled by DAS Legal Expenses Insurance Company Ltd. Education specific covers include
- Schools admission appeals
- Exclusion of students
- Underwritten and handled by DAS Legal Expenses Insurance Company Ltd. Education specific covers include
For more details, see Travelers’ legal expenses product here
Business questions
These questions will give you a sense of the information needed to write a policy.
- How is the school funded? Do local authorities provide any funding?
- What services and activities are carried out, including details of any support or care provided to students?
- What is the health and safety policy?
- What are the staff qualifications, training and checks?
- What are the facilities on the premises and how are they managed?
Let's get specific
These are the kinds of detailed questions we will ask to better understand day-to-day operations.
- Are laundry facilities on site?
- Are kitchen facilities on site?
- What leisure facilities does the premises have, e.g., swimming pool, gym?
- Does the premises have automatic fire detection?
- Are there any listed buildings within the premises?
- What controls are in place in respect to contractors working at the premises?
- Can the institution provide an overview of the maintenance programmes in place?
- Are there any construction projects planned?
- Where applicable, what was the last outcome of a statutory inspection, e.g., the Office for Standards in Education, Children’s Services and Skills (OFSTED)?
- Does the school offer contact sports? If so, what are the current concussion protocols?
- Is there any non-curricular use of facilities by the public?
- Are any practical subjects, like woodworking, offered?
- Does the school have a medicines policy that complies with the guidelines of the Medicines and Healthcare products Regulatory Agency (MHRA)?
- What is the staff-to-student ratio?
- How are staff members’ suitability to work in the sector assessed? Examples of checks include Disclosure and Barring Service (DBS), Disclosure Scotland, Access Northern Ireland, references.
- Is there a whistleblowing policy?
- Is cover for abuse required?
- Have there been any allegations of abuse against the facility or its staff?
- Are any work placements or apprenticeships offered; if so, how are these managed
- Are there any written guidelines for the protection of vulnerable adults and children?
- Is there a written infection control and prevention procedure, including use of personal protective equipment (PPE)?
- Are there isolation facilities in the event of infection?
- Does the college offer vocational courses?
- Are there any income streams that extend beyond the provision of education?
- Are there any health and beauty courses? If so, what treatments are taught/available?
Related products
Education
Educational institutions frequently face the possibility of property damage or liability. Travelers can help create tailored protection for an institution’s most significant exposures.
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.
UK property owners
In addition to protecting property from fire and theft, storms, and floods, this specialist policy can also cover key exposures for property owners, including subsequent loss of rent and public and employers’ liability.
Let’s start the right conversation
For business
Find a broker
If you’re looking for covers and have a broker, ask about Travelers products.
If you need a broker, start with the right broker directory.
Need to call us directly? Contact us.
For brokers
Let’s save some time
We can figure out what’s best for your client when we’ve got the right information. Please review the questions on this page to get a sense of what we need to know.
Insights & industry knowledge
Articles to help your ambition succeed
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.
