Industry Solutions for Education

The education industry practice provides a comprehensive suite of insurance products and risk management services designed to meet the specific needs of educational institutions. We instill a collaborative approach to evaluating risk and the levels of certainty clients need to minimize and manage risk.


Overview

Education institutions face numerous uniquely diverse and potentially catastrophic perils such as athletic event liability, liquor liability, sexual misconduct liability and corporal, punishment liability and liability from doctors working in student clinics.

Our deep knowledge and experience in the education sector also helps colleges and universities manage new and emerging risks. Programs such as LexWildfire Smoke® protects against lost business income from cancelling student outdoor operations due to unhealthy ambient air quality. Programs like this demonstrate our innovative approach to higher education risk protection.

Interested brokers can search below to learn more about the core curriculum of coverage we provide education institutions from property and general liability coverage to employment practices liability and security and privacy coverage with some of the highest limits available in the market.

Browse Our Education Industry Products and Services

Accident and Health

College Student Health Insurance

Essential and affordably priced health insurance programs offered through educational institutions for college and university students.

Day Care Insurance

Managers, owners and directors of day care centers and other child care facilities alike all know the importance of safety in their businesses. However, accidents can and do happen. With Day Care Insurance, child care groups can provide key accident insurance benefits for staff members and children enrolled in their facility.

K-12 Student Insurance

When accidents occur on school property or during supervised school activities, they can present potential liabilities to schools as well as financial and emotional hardship to affected families. AIG’s K–12 risk management programs can help provide financial protection and help schools fulfill their commitment to the health and well-being of their student body.

Aerospace

Aerospace Products Liability

Full range of aerospace products liability insurance solutions for manufacturers, distributors and maintenance, repair and overhaul (MRO) operations.

Alternative Risk

Alternative Solutions & Product Innovation

There may be times when a company needs to mitigate a substantial risk that is not addressed effectively in the traditional insurance or financial markets. We help clients address these challenging exposures by providing highly customized, innovative programs that apply insurance and/or capital market strategies.

Global Fronting Programs & Captive Management

There are times when companies face challenges that the traditional insurance or financial markets not may not address effectively. We help companies address non-traditional exposures by providing highly customized fronting programs that apply insurance and/or capital market strategies. In addition, we provide captive management and consulting services regarding the feasibility, formation and management of captives, and offer cell captive facilities.

Casualty

Commercial Transportation

Customized casualty solutions that address the standard and specialized insurance needs of a variety of transportation risks, from trucking operations of all sizes to airline workers’ compensation, railroads, mass transit and livery.

Commercial Umbrella Liability

Customized commercial umbrella solutions designed to minimize the potential for dangerous coverage gaps and inconsistencies between layers of coverage for companies of varying sizes and business sectors.

Defense Base Act (DBA)

Risk mitigation solutions for U.S. government contractors obligated under the Defense Base Act to provide statutory workers’ compensation benefits to U.S. and foreign nationals working outside the U.S. under a government contract or on a U.S. military base overseas.

Excess Liability

Casualty coverage solutions to protect businesses against potentially catastrophic losses. With high capacity and exceptional program design flexibility, we build strong, unified towers of liability protection in an attempt to meet the sophisticated needs of major corporate clients.

Fitness and Recreation Centers Program

The Fitness and Recreation Centers program can help solve clients' insurance needs ranging from upscale complex risks to local gyms and health clubs.

General Liability

General liability insurance is designed to protect businesses from the costs of accidents, injuries and property damage sustained by third parties. Companies of all sizes and industries need sound protection against these traditional exposures, as well as more complex exposures such as product liability, advertising injury and reputation damage.

Healthcare Liability

Comprehensive coverage and service solutions to meet the professional, general and excess liability needs of the healthcare industry, such as hospitals, physicians, long term care, pharmaceutical companies and more.

Workers' Compensation

Workers' compensation coverage provides wage loss and medical benefits to workers injured in the course and scope of employment. Our workers’ compensation programs combine insurance with expert loss control, safety engineering and claims management aimed at improving loss experience and protecting employees.

Crisis Management

Kidnap, Ransom and Extortion

Comprehensive insurance coverage to protect business travelers, high net worth individuals and their families against the crisis events of kidnap-for-ransom, extortion, threat or disappearance, that can occur both in the U.S. and abroad while traveling or residing away from home.

Environmental

Commercial Pollution Legal Liability

Provides property owners and operators with coverage for site liability, non-owned disposal sites, contracting operations and transportation exposures.

Contractors Pollution Liability

Protection for contractors claims for bodily injury, property damage and environmental damage resulting from pollution conditions caused by covered operations including work performed by subcontractors that are not normally covered under a general liability insurance policy.

Global Financial Lines

CrimeGuard Choice®

Insurance protection for companies (and their employees) against the dishonest acts of an employee as well as forgery, safe burglary and computer fraud on a global basis.

Fiduciary Liability Insurance Edge®

Protection for directors, officers, employees and employers who are alleged to have breached their fiduciary duty or made mistakes in the management or administration of employee retirement and benefit plans.

Kidnap, Ransom and Extortion

Comprehensive insurance coverage to protect business travelers, high net worth individuals and their families against the crisis events of kidnap-for-ransom, extortion, threat or disappearance, that can occur both in the U.S. and abroad while traveling or residing away from home.

Management Liability

CrimeGuard Choice®

Insurance protection for companies (and their employees) against the dishonest acts of an employee as well as forgery, safe burglary and computer fraud on a global basis.

Executive Edge®

Cutting edge management liability protection to respond to the personal risk directors and officers of publicly-held companies face due to the financial scandals, changes in the law, and more.

Fiduciary Liability Insurance Edge®

Protection for directors, officers, employees and employers who are alleged to have breached their fiduciary duty or made mistakes in the management or administration of employee retirement and benefit plans.

Kidnap, Ransom and Extortion

Comprehensive insurance coverage to protect business travelers, high net worth individuals and their families against the crisis events of kidnap-for-ransom, extortion, threat or disappearance, that can occur both in the U.S. and abroad while traveling or residing away from home.

Not-for-Profit Risk ProtectorSM

A flexible insurance package that allows non-profit organizations of any size to choose one or more of six coverages and combine them in one comprehensive program with shared or separate limits.

PortfolioSelectSM

A modular executive liability platform for public and private companies, financial institutions, and non-profit entities.

Professional Liability

CyberEdge®

Flexible protection against rising occurrences of sensitive data breaches, computer hacking, dumpster diving (theft of discarded records), cyber terrorism, computer virus and employee sabotage or pilferage of information and identity theft.

Education Program

Provides expansive coverage options for educational institutions, including private primary schools (pre K - 12), charter schools and colleges and universities.

Fitness and Recreation Centers Program

The Fitness and Recreation Centers program can help solve clients' insurance needs ranging from upscale complex risks to local gyms and health clubs.

Personal Identity Coverage

Coverage enabling organizations to extend expert assistance and financial relief to employees, customers or members who are victims of identity theft.

PortfolioSelectSM

A modular executive liability platform for public and private companies, financial institutions, and non-profit entities.

Property

Energy Warranty

Energy Warranty insures that the integration of new and off-the-shelf equipment in a unique process design will work as expected, to help facilitate the financing and development of alternative and renewable energy projects.

Construction All Risk

First-party property insurance solutions for onshore commercial, industrial and energy construction all-risk (CAR), erection all-risk (EAR) and civil and infrastructure projects.

Equipment Breakdown

Equipment breakdown insurance, which may not be covered by standard property insurance policies, responds to physical and financial losses suffered when specialized electrical, mechanical or steam equipment is damaged.

Large Limits

Increased property capacity to help protect a broad array of commercial occupancies including healthcare, manufacturing, real estate, public authorities, retail and higher education from catastrophic losses.

Standalone Property Terrorism Coverage

Property insurance that provides broad protection against losses to physical assets arising from terrorist acts around the world.


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