Ideal Accounts and Appetite
This program is a good fit for:
- K–12 private and charter schools
- Colleges and universities (including community colleges)
- Daycare and early childhood programs affiliated with academic institutions
- Educational nonprofits, training centers, and continuing-education providers
Accounts with athletic programs, campus housing, on-campus childcare, international travel programs, or security operations are well within EIS’s appetite. The underwriting team welcomes submissions with complex liability exposures and can evaluate layered placements for larger campuses or multi-location operations.
Coverage Highlights and Advantages
EIS's General Liability program includes tailored features that address common education-sector risks:
- Athletic injuries and sports-related incidents
- Personal and advertising injury
- Campus housing and student housing liability
- Alcohol use and abuse exposures tied to campus events
- Childcare-related liability for on-site daycare and early education
- Bacterial and viral infectious disease exposures
- Liability arising from international travel and study-abroad programs
- Security-related incidents and reasonable force use
- Employee benefits liability and related errors & omissions
Multiple layers are available — Primary, Umbrella, Excess, and Buffer Excess General Liability — so you can structure limits to match campus risk profiles and contractual requirements.
Underwriting Notes and Minimum Premiums
EIS works through a panel of top-rated admitted and non-admitted carriers to provide flexible solutions. Minimum premium requirements vary by institutional size, program scope, limits selected, and state-specific filing requirements. Underwriters will consider factors such as prior loss history, athletics and housing exposure, student population, and childcare services when assessing risk and pricing.
Territories and Availability
This program is available in most states. EIS actively markets placements in AL, AK, AZ, AR, CA, CO, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, and WY. Placement may be on an admitted or non-admitted basis depending on the state and risk profile.
Why Work With Education Insurance Services?
As a Managing General Agency focused on education, EIS combines deep sector knowledge with underwriting flexibility. Agents benefit from dedicated underwriters who understand school operations, experience placing layered liability limits, and the ability to handle accounts with athletics, housing, international programs, or childcare exposures. EIS emphasizes efficient service and practical risk-mitigation guidance to help close placements quickly.
You might have a client that operates a regional university with on-campus housing, varsity athletics, and study-abroad programs — EIS can help structure primary and excess layers for that exposure. Or you may represent a private K–12 school that offers on-site daycare and weekend athletic camps; this program is designed to address those mixed exposures. For more information about General Liability Insurance, call 301-215-9575.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for educational institutions such as K–12 schools, colleges, universities, and academic nonprofits that have complex liability exposures like athletics, housing, childcare, or international travel.
Can faculty and staff be included in the coverage?
Yes. The program uses a broad insured definition and can extend coverage to trustees, directors, officers, faculty, and employees where appropriate under the policy wording.
What kinds of exposures does the policy address?
The policy addresses athletic injuries, childcare liability, campus and student housing exposures, alcohol-related incidents, infectious disease liability, international travel, security incidents, and employee benefits errors and omissions.
Is this program available nationwide?
EIS offers this program in most states, including those listed above. Availability and whether the placement is admitted or non-admitted depend on state regulations and the risk profile.
What coverage layers are available?
Coverage layers include Primary, Umbrella, Excess, and Buffer Excess General Liability to meet different limit needs and attachment structures.
Need help placing an account? Connect with a market specialist.