Schools face a wide range of unique risks and challenges.

From sporting events with student-athletes to summer camps with children, there are events on academic campuses every day that present particular legal exposures to educational institutions. That's where an experienced insurance carrier can help.

The right insurance policy gives schools peace of mind by protecting the things that matter most at each institution. Philadelphia Insurance Companies (PHLY) specializes in insurance coverage for a wide range of schools, including:

• Private K-12 schools
• Colleges and universities (with student enrollments under 10,000)
• Charter schools

Continue reading to learn more about what academic school insurance offers and how it can benefit your institution, your faculty, and your students.

School Insurance Coverage

Insurance plans from PHLY are designed to meet a wide range of academic school exposure needs, offering comprehensive coverage options. Key benefits of our school insurance program include:

General Liability/Sexual Abuse/Umbrella Coverages

PHLY offers various liability options. Our Commercial General Liability coverage includes several key benefits for educational providers. With limits of up to $1M per occurrence and $3M aggregate per campus, our general liability policies can include:

• Corporal Punishment coverage
• Violent Event Response coverage
• Medical Incident Liability coverage for nurses & athletic trainers
• Special Events Liability coverage
• Employee Benefits Liability coverage

PHLY also offers coverage for Abuse or Molestation, which covers inappropriate sexual or physical contact with a student by a teacher, volunteer, or anyone that has access to the student.

Umbrella coverage is available to provide high limit protection for your educational institution.

Educators Professional Select

Our Educators Professional Select policy covers Directors & Officers, EPL including third party liability, and Educators Errors & Omissions. We include a broad definition of education services and insureds to cover the protection needs of educators and their institutions. This policy covers defense costs in addition to the limit of liability. This means that expenses related to court defense will not erode your liability limit.

Property Coverage

Property coverage from PHLY is backed by a large in-house capacity to offer high blanket limits. In addition, we offer boiler/mechanical breakdown and loss of tuition as part of our Business Income Changes coverage for educational institutions.

Automobile Coverage

Auto coverage is especially important for schools. Owned vehicles, non-owned vehicles, and rental vehicles are covered in PHLY policies to protect a variety of needs and circumstances. We offer liability and physical damage coverage and include rental reimbursement. We offer the PHLYTRAC Telematics program, which is designed to improve driver behavior, resulting in fewer accidents and more efficient vehicle operations.

Our Expertise

At PHLY, we have more than 25 years of experience in providing school insurance. By specializing in serving schools, PHLY offers the unique insurance plans academic schools need.

Our experience shows in our ratings. PHLY has A++ (Superior) rating from the AM Best Company, indicating superior financial strength and trustworthiness. We also have an A+ rating from Standard & Poor's for financial strength and are nationally recognized as a member of Ward's 50 Benchmark Group of Property and Casualty insurance companies. This distinction is given to insurance agencies with outstanding achievement in financial strength, claims performance, and underwriting results. Simply put, PHLY has the backing and expertise needed to offer excellence in school insurance coverage.

We understand the risks involved in education and offer comprehensive protection backed by decades of expertise. To learn more about how we can help protect your institution, visit our product page or contact a PHLY Representative today!