The Hartford Launches Customizable Coverage For Educational Institutions

March 25, 2015

The Hartford has launched Educators Professional Choice to give educational institutions the ability to customize their liability coverage based on their needs. The package of management and professional liability coverages is designed specifically for private schools, colleges and universities.

“Protecting a school’s reputation and finances is critical to its ability to attract students and donors,” said Melissa Zaparanick, assistant vice president and head of The Hartford’s industry practices. “In today’s litigious environment, schools face potential liability related to their employment practices, educational services and management oversight. These exposures can vary widely from school to school, so they need coverage that can be tailored to fit their specific circumstances.”

The Hartford has designed Educators Professional Choice as a companion to its general liability policy to address the specialized liability protection needs of educational institutions. Schools have the flexibility to select one or more of the three coverage parts and the ability to set individual limits, self-insured retentions and retroactive dates for each. The Hartford’s Educators Professional Choice offers:

  • Employment practices liability coverage with optional coverage for allegations involving third-parties, including volunteers, consultants and vendors; and optional defense coverage for certain wage-and-hour violations, which are offered by endorsement where available;
  • Errors and omissions coverage for allegations related to the rendering of or failure to render educational services; and
  • Directors, officers and entity coverage.

Zaparanick said the product was designed in direct response to feedback from school administrators and their agents and brokers as part of The Hartford’s effort to develop tailored insurance products and services for the education industry.

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