Protection for Educational Institutions

Selecting the appropriate insurance is essential for your institution. Consider insuring it with our Educational Institutions Program for private K-12, university, trade school or recreational learning organizations. Your independent agent representing The Cincinnati Insurance Company can customize an insurance program specific to your needs.

Choose Cincinnati's Educational Institutions Program

Your program begins with our standard property and general liability coverage forms. You also receive Cincinnati Data Defender, for a premium charge, providing an important coverage needed by any educational institution. You can further customize your insurance program by purchasing specialized coverages:

• CinciPlus^® Educational Institutions Crime XC+^®– bundles eight important crime coverages for your school, including employee theft, and theft of money and securities on and off premises.
• Crisis Event Expense Coverage Endorsement – pays for certain expenses after a covered crisis event, including communication expense, post-crisis expense (except in Virginia) and business income and extra expense.
• Educational Institutions General Liability Endorsement – addresses exposures specifically associated with schools, like corporal punishment and incidental worldwide liability. It also broadens the definition of an insured and more.
• Pillar Management Liability Policy for Nonprofit Educational Institutions – insures directors, officers, trustees and the organization, including educator's legal liability. You can also conveniently add coverage parts for:
• - employment practices liability
• - cyber liability
• - fiduciary liability (includes employee benefits administration)
• Sexual Misconduct or Sexual Molestation Liability – covers insured individuals and the organization against such allegations and defends innocent parties. You also receive outside counseling expense reimbursement up to $5,000.
• Law Enforcement Errors and Omissions Liability – covers you and your employed or contracted law enforcement personnel while performing duties related to the operation of your institution.

Options to Suit Your Needs

Round out your insurance program by purchasing coverages needed by most businesses:

• commercial umbrella liability
• business auto insurance
• equipment breakdown coverage
• workers’ compensation (where available)
• inland marine coverage

Cincinnati Advantage

Work confidently, knowing you are protected by an exceptional insurance program that provides:

• loss control services at no additional charge
• access to vendors offering specialized loss control services and training at discounted rates
• superior claims service from a representative who lives in or near your community
• multi-year policy terms available in most states for many coverages
• stability from a company with a high financial strength rating from A.M. Best Co.
• more than 90% of our policyholders are highly satisfied with the overall claims process, based on almost 27,000 standard lines auto and property policyholders responding via electronic claim satisfaction survey between January 1, 2020, and December 31, 2022, with an 8, 9 or 10 on a 10-point scale
• a management team specifically dedicated to keeping your insurance program on the leading edge