Special Risk Insurance

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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

An investment in education is substantial and second only to the purchase of a home. Tuition Secure protects your students’ investment by providing reimbursement when a student completely withdraws from school due to unforeseen, emergency circumstances. Tuition Secure enables your institution to provide greater clarity to its refund schedule, puts students in a better financial position to complete their education, and gives parents peace of mind.

Dorm and Renters Insurance

Similar to healthcare, institutions across the country are beginning to mandate that students provide proof of property and liability coverage prior to move-in. Dorm Defense provides parents and students with a cost-effective solution for students who live on or off campus. Get coverage today for liabilities such as theft, wind/hail, fire/lighting, smoke, and vandalism.

Special Events Insurance

Special Events insurance is a type of insurance coverage designed to protect students and institutions from financial losses or liabilities that may arise when travelling to or attending off-campus events. Some examples include going to see football games, musical events, field trips, etc. With Special Events insurance, we provide tailored coverage specific to your unique circumstances.

Needlestick / Blood-borne Pathogen

Needlestick policies are specifically designed for students in class as they do rotations where they are at risk of exposure to blood-borne pathogens, bodily fluids, or other potentially infectious materials.

Studying Abroad

With experience in serving over 200 travel and study abroad programs, our specialized consulting services will provide your students, faculty, and staff with the tools they need to stay safe and healthy while travelling internationally. As a partner, we’ll review your current study abroad programs, identify pain points, develop creative solutions, and conduct a market review to implement a program that supports your travelers in critical situations while mitigating the financial impact. Let us support your students, faculty, and staff while they focus on making countless memories abroad.

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


Practice Leadership

Terry Lyons

National Education Practice Leader

Ali Rana
Managing Director, Student Health, Education Practice

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