Ideal Accounts and Appetite
This program is well-suited for a wide range of educational organizations, including:
- Public and private K-12 schools
- Charter schools
- Colleges and universities
- Vocational and trade schools
- Tutoring services and adult education programs
If you have clients involved in educational instruction—whether classroom-based or remote—this program may be a great fit.
Coverage Highlights and Advantages
Educational institutions face lawsuits from students, parents, staff, and other third parties. Common allegations include negligent instruction, failure to supervise, wrongful termination, or discrimination. This E&O program is built to help safeguard your client’s assets and reputation in these situations.
Key coverage features include:
- Broad definition of insured
- Duty to defend
- “Pay on behalf” form
- Employment Practices Liability (EPL) endorsement available
- Full prior acts coverage available
- Aggregate deductibles available
- Limits up to $2,000,000
Underwriting Notes and Minimum Premiums
Minimum premiums start at $2,000, with deductibles beginning at $2,500. All applications are reviewed thoroughly to ensure appropriate coverage and competitive pricing. Fast turnaround and no broker fees help you stay competitive and responsive with your clients.
Territories and Availability
Capitol Special Risks can place this coverage in nearly all U.S. states, including CA, NY, FL, TX, IL, GA, and over 40 others. Some admitted markets are available depending on the risk and location. Contact Capitol Special Risks for state-specific availability.
Why Work With Capitol Special Risks?
Capitol Special Risks is a trusted wholesale broker with deep expertise in professional liability and niche markets like education. They work with multiple carriers to help you find the best fit for your client's unique exposure. Their streamlined process, knowledgeable underwriters, and commitment to agent support make them a valuable partner in placing educational risks.
Protect your educational clients with confidence. Complete an Educator’s Legal Liability application today and benefit from fast service, competitive terms, and no broker fees.
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for public and private schools, charter schools, vocational schools, colleges, and educational service providers such as tutoring centers.
What are the minimum premium and deductible for this coverage?
The minimum premium is $2,000, and the minimum deductible starts at $2,500. Final pricing depends on the specific risk profile.
Is this coverage available on an admitted basis?
Some admitted markets are available depending on the state and carrier appetite. Capitol Special Risks also offers access to non-admitted options.
Does this program include Employment Practices Liability (EPL) coverage?
Yes, an EPL endorsement is available as part of the Educational E&O program, offering additional protection for employment-related claims.
How quickly can I get a quote?
Capitol Special Risks offers a fast turnaround on submitted applications and does not charge broker fees, helping you move quickly for your clients.
Need help placing an account? Connect with a market specialist.