Help us better understand the risk.

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?

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?

Curriculum and services

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?

Abuse policies and procedures

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?

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
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

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.

Let's get specific

These are the kinds of detailed questions we will ask to better understand day-to-day operations.

Related products

Educational institutions frequently face the possibility of property damage or liability. Travelers can help create tailored protection for an institution’s most significant exposures.

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.

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.

Find a broker

Need to call us directly? Contact us.

For brokers

Let’s save some time

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.

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College & University Insurance

Allowing institutions to pave the student pathway