Educational institutions care for the future of our country. Daycares, schools, universities, and even trade schools not only have to provide quality education, but they must also offer a safe place for students to learn and teachers to teach.
The Kastendike Insurance Group understands the unique challenges associated with finding the appropriate amount of insurance coverage for educational institutions. Our Maryland insurance agents get to know the needs of each institution so that they can get adequate commercial insurance coverage and peace of mind.
How Kastendike Insurance Group Helps Educators Choose the Right Coverage for Their Institutions
Whether a pre-schooler gets hurt on the playground or a fire burns down a college dormitory, the insurance team at Kastendike Insurance Group provide coverage solutions that protect against the financial burden of the unknown and minimize risk exposure. When you meet with our insurance professionals, we’ll work together to assess the best ways our policies can manage potential risks and tailor our insurance services to protect educational institutions’ against the unexpected.
Insurance coverage for educational institutions applies to these niches:
- Pre-school
- K-12
- Colleges and universities
- Trade and vocational schools
Common Types of Insurance Coverage Options for Educational Institutions
General Liability Coverage
Having general liability coverage is vital to protecting your institution’s assets in the event of a lawsuit stemming from student or visitor injury, negligence, slander, libel or abuse.
Commercial Property Coverage
Commercial property coverage protects structures within your school’s property, computers and other office equipment, supplies, desks, uniforms, and other assets in the event of weather-related damage, fire, theft, or vandalism.
Directors and Officers Insurance Coverage
Directors and Officers insurance (D&O) protects high-ranking officials’ personal assets in the event they’re sued due to job-related issues such as neglect, breach of duty, or mismanagement.
Educator’s Professional Liability Coverage
Educator’s professional liability coverage covers legal expenses and other miscellaneous costs for the school if a teacher or another educator causes a lawsuit or alleges the schools failure to educate.
Employment Practices Liability
Employment practices liability coverage covers costs related to discrimination, breach of employment contract, sexual harassment, and other claims related to the workplace.
Should Educational Institutions Consider an Umbrella Policy?
Kastendike Insurance Group will take the time to help school administrators understand the benefits of purchasing an additional commercial umbrella policy. If lawsuits or claims exceed the amount of general or professional liability coverage, an umbrella policy can make up that difference.
Talk to Us Today About Educational Insurance for Your Institution
The Kastendike Insurance Group has helped a multitude of educational institutions get the appropriate amount of educational insurance. Call us now at 443-501-9388 for a non-obligation quote.
