Special Risk Insurance

A variety of specialized insurance programs

Whether you’re a student, coach, small business owner, or educational institution, we have several coverage options available to help address and minimize your specific risks. Below is a list of our specialized insurance programs. Each program is provided by a carrier rated A+ (Superior) by A.M. Best Company.

If you don’t see the program that meets your needs, or if you have any questions, please feel free to contact us. We can custom tailor a program for your specific customer group.

Tuition reimbursement

Protection for their investment if a student needs to withdraw due to unforeseen, emergency circumstances.

Dorm and renters insurance

Protection for students who live on or off campus.

Special events insurance

Cover your costs if you unexpectedly need to cancel your event or if you’re found responsible for property damage or an injury.

Needlestick / bloodborne pathogen

Specifically designed for students in the medical field who handle needles to protect them from blood borne pathogen exposure.

Studying abroad

School-sponsored medical coverage for students, faculty, and/or staff traveling for a study abroad program

International student insurance programs

We provide insurance specifically appropriate for J-Visa (cultural exchange) and F-Visa (student) participants, including the following types of insurance:

• Au Pair Insurance
• Summer Work & Travel Insurance
• Work Abroad Insurance
• Volunteer Abroad Insurance
• Internship / Trainee Insurance
• High School Exchange Insurance
• Language School Insurance

K-12 insurance coverage

Accidents happen, and with accidents may come injury. Are you prepared to respond to a family that is requesting help with medical bills for an injury that occurs under your school’s supervision? An accident policy is an easy way to be able to care for your students without involving liability policies.

Charter and private schools

Many programs have a one-size-fits-all mindset or treat you as just one member of a large association. We know that you and your students are unique, so we treat you that way.

Our plans have multiple options, so you can choose what is best for you. Plus, there is no separate membership required, so you won’t lose coverage if you choose to leave an association. Our plans offer:

• Excess Coverage - policy pays after student’s health insurance
• Pricing determined by standardized grade levels or Montessori multi-age classrooms
• Multiple maximum coverage and optional enrollments for you to choose