Higher Education Insurance

Caitlin Morgan Insurance Services, Inc. offers a comprehensive Higher Education Insurance program designed to help agents place coverage for private and charter educational institutions. Whether you’re working with private universities or K-12 schools, this program provides flexible and broad coverage options tailored to the evolving risks in the education sector.

Line of Business:

• General Liability
• Abuse and Molestation
• Umbrella
• Automobile
• Property
• Accidental Death & Dismemberment (AD&D)
• Educator Legal Liability

Available Limits/Coverage Highlights:

• $1M/$1M limits available on an occurrence basis
• Limits up to $25M, including abuse and molestation coverage
• $1M combined single limit for auto
• $40M property limit per location, with higher limits available upon request
• $50K per person, up to $5M aggregate for AD&D

Desired Classes:

• Private Universities
• Private High Schools
• Private Elementary Schools
• Charter Schools
• Available in Most States

You might have a client running a private K-12 school that needs a package policy including property, liability, and abuse/molestation coverage. Or perhaps you're looking to place a charter high school needing umbrella limits and educator legal liability. Caitlin Morgan's program is built to handle these exposures with underwriting flexibility and broad coverage terms.

As a wholesale broker, Caitlin Morgan works with a variety of carriers to offer tailored solutions to meet each institution's specific needs. Coverage is available in all 50 states and Washington, DC, with both standard and excess markets accessible depending on the risk profile. Admitted and non-admitted options are available as needed.

Partnering with Caitlin Morgan gives you access to a team experienced in the education sector, ready to help you navigate complex exposures and coverage requirements. Their ability to craft custom solutions and access top markets makes them a strong partner for agents and brokers placing higher education accounts.