Insurance for Schools and Educational Institutions : Texans Insurance Group

Of all your company's specialized needs, few are more important than an agency that understands each and every one.

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Insurance for Schools and Educational Institutions

As a leading provider of property and liability insurance for private schools and universities, Texans Insurance helps protect a school's students, staff and property.

Does your school’s current property protection make the grade? Does it offer adequate protection for your buildings, your grounds, computer equipment? Review the list below to see just some of the reasons Texans’s specialized programs for private schools have earned such high marks from other institutions.

When you work with us, you can trust that you are working with insurance experts who understand the unique liabilities associated with Educational Institutions.

Targeted institutions include

Private Colleges and Universities
Private Independent Schools
Private Elementary and Secondary Schools

Our Educational Institutions Program can offer a variety of coverage including

Injury to Athletes
Incidental Medical Professional Liability for the infirmary and staff nurses
Extended coverage for Owned Watercraft
International coverage, including emergency travel assistance for students and faculty traveling abroad

Property Coverage Available:
Property coverage can include built-in equipment breakdown coverage, a highly flexible limit on personal property and optional functional replacement cost. Endorsements for Private Schools and Colleges offer additional coverage tailored to meet the needs of schools. Coverage for Musical Instruments, Band Uniforms and Personal Effects of Faculty and Students are just some of the coverages included

Buildings, property and crime - Coverage for your buildings, grounds and equipment is built in. Plus, The Hartford includes coverage for damage or loss to telephone equipment, valuable papers, computer equipment and media.
Computers and electronic equipment - Coverage can automatically extend personal and advertising injury liability protection to your entire Web site, including any claims that may arise because of your Web site content, chat rooms, bulletin boards, or the links to or advertisements of others.
Loss of tuition - With this optional coverage, if a covered loss forces your school to close temporarily, your coverage will reimburse your resulting lost tuition income.
Musical instruments – We understand how much money your school may have invested in its music programs. So our policy automatically includes coverage for musical equipment and band uniforms owned by the school.
Employee theft and dishonesty - Choose our enhanced program for business services and we’ll cover financial losses that result from employee dishonesty and/or forgery.
Your students’ personal belongings - We also can include coverage for students’ personal belongings if they’re damaged by a covered loss.
Building Reproduction Cost Endorsement – This coverage is available to reproduce buildings of historical or artistic significance with as nearly identical materials and craftsmanship as possible.
Equipment repair and replacement costs - It automatically covers damages to, or the breakdown of, your school’s vital equipment, such as steam boilers, heating or air conditioning systems or computer networks.
Loss of income due to equipment breakdown - If an equipment breakdown forces you to partially or completely shut down your coverage (and you've chosen our optional business income protection), we'll reimburse you for the resulting loss of income.

Liability Coverage Available:
Unfortunately, lawsuits against schools are becoming ever more commonplace—and ever more expensive. So Texans can offer liability coverage for private schools that includes a variety of essential enhancements. Educators’ General Liability coverage can include enhancements covering issues such as corporal punishment, medical payments for students and student athletes and incidental medical malpractice. Liability Coverage is also available for Negligence Related to Sexual Abuse or Molestation and coverage for “wrongful acts” or “related wrongful acts” first occurring or commencing during the covered policy period.

Incidental medical malpractice - Our bodily injury coverage protects you for the incidental medical malpractice of your employed healthcare professionals. For private schools, we extend this coverage to your nurses, EMTs, paramedics and athletic trainers. If your private school operates an infirmary with facilities for lodging and treatment, this medical malpractice coverage is not applicable.
Medical payments for students and student athletes - This type of coverage from other insurers often excludes students and student athletes. But Texans recognizes that when accidents happen, you need to be in a position to help your students as well as student athletes visiting from another school. So our program can include up to $10,000 in medical expense coverage per person.
Computers and electronic communications - Our special Computer coverage can automatically extend personal and advertising injury liability protection to your entire Web site, including any claims that may arise because of your Web site content, chat rooms, bulletin boards, or the links to or advertisements of others.
Bodily injury to others - If your business is legally liable for the injuries of others, your policy can protect you from claims for mental anguish resulting from an injury, sickness or disease for which you’re held responsible.
Damage to the property of others - Our liability insurance protects you if you are responsible for damage to the property of others. We extend this coverage to include borrowed equipment that’s damaged at your job site while it is not being used.
Damage to the premises you rent or occupy - Our policy will pay up to a certain limit if you are responsible for damages to the premises you rent or occupy if the damage results from fire, lightning or explosion.
Personal and advertising injuries - With our policy, you can be protected if others claim your business was responsible for false arrest, malicious prosecution, libel, slander, wrongful eviction, discrimination or humiliation, or invasion of the right of privacy. We can also protect you if others claim you infringed on their copyrights in your advertisements or that you copied their advertising ideas.
Premises medical payments - We can provide up to $10,000 in medical expenses for each person injured on your premises or because of your business operations. You do not need to be legally liable for these injuries for us to pay.
Additional insureds - If a written contract requires you to name someone else as an additional insured on your policy, we can automatically extend that status to them. We can also provide them with primary coverage if they require it of you.

Educators Legal Liability Coverage Highlights
Unfortunately, educators today can be sued for a variety of reasons. So The Texans offers an Educators Legal Liability Coverage for private schools to include a variety of essential enhancements.

Acts, errors or omissions of key people acting on your behalf - This specialized liability coverage provides financial protection and legal defense against lawsuits arising specifically from wrongful acts of educators, employees, student- teachers and volunteers while performing their duties for the school.
Wrongful acts by educators - Our policy will protect you and your teachers from a claim that you failed to educate a child or that you failed to properly supervise a child while in the school’s care.
Wrongful acts by directors and executive officers - The decisions made by your board of directors are critical to the day to day operation of your school. Our coverage protects the school and the directors and officers from claims for damages resulting from errors, omissions or misleading statements made in the course of their duties for the school.
Wrongful acts relating to employment practices - Employment practices such as wrongful dismissal, failure to hire or promote, failure to grant tenure, unlawful discrimination or sexual harassment are just some of the wrongful acts that can be alleged against a school. Our policy provides protection and legal defense against these types of lawsuits.
Wrongful acts relating to the administration of employee benefits plans - Educator’s legal liability policy can also covers a negligent act, error or omission in the way your school administers their employee benefits plan.

Workers’ Compensation Policy Highlights

Lost wages and medical care - Your policy can cover a wide range of services related to workers’ compensation and employers’ liability claims, including compensation for lost wages and the cost of medical care and rehabilitation.
Legal defense costs – Your policy can cover the costs of your legal defense and carefully manage the litigation process, even negotiating judgments if it’s in your best interest.

Commercial Auto Coverage Highlights

Your employees while using their personal autos on company business - If an employee is driving his or her own car on company business with your permission and has an accident, the employee’s liability can cover in excess of his or her own auto insurance.
Rental car costs - If you elect physical damage coverage on your policy, and a covered private passenger auto is stolen, we can reimburse you for the cost of a rental car.
No deductible on glass repairs - As long as you elect our comprehensive physical damage coverage, we can waive the applicable physical damage deductible if you have the damaged glass repaired instead of replaced.
Permanently installed electronic equipment - Physical damage coverage can be expanded to apply to sound transmitting equipment as well as sound receiving equipment that is permanently installed in the covered auto.
Autos hired anywhere in the world - The coverage territory with regard to liability arising out of the operation of hired autos is expanded to worldwide. However, for coverage to apply, the suit against you must be brought in the U.S., the territories and possessions of the U.S., Puerto Rico or Canada.
Subsidiaries - If you inadvertently neglect to list a subsidiary on the insurance application, coverage can be automatically extended to that subsidiary, even though it is not specifically named.
Employee lawsuits from other workers - With a broadened commercial auto policy, your employees are afforded protection against suits from fellow employees in case state law does not grant immunity to the employee. Coverage is in excess of the driver’s personal auto policy.
Airbags - Your policy can expand coverage to pay for resetting or replacing an airbag that inflates, even if your auto has not been in an accident.
Broadened coverage for extra expense - If your covered auto is stolen and then recovered, your insurance company can pay the cost of returning the car to you. (Some insurers don’t cover this expense, as they don’t consider it to be a loss to the covered auto.)

Marine Coverage Highlights
Don’t think you need Marine insurance? Well, just about all schools do. That’s why Texans offers a wide variety of specialized property coverages specifically designed to meet a broad range of educators’ needs.

Computers/electronic equipment - This coverage provides worldwide protection from damage or loss for your laptop computers, notebooks, electronic communications equipment and palmtops.
Customized marine coverage - This coverage can help you protect a diverse range of equipment, such as: cell phones, desktop computers, laptops and palmtops.
Fine arts/valuable papers - The Hartford can help you protect all your fine arts objects, including: paintings, statues, valuable rugs, art or stained glass windows, rare books and similar items of rarity, historical or artistic value.