Overview of the Program
Mercer Consumer’s Student Blanket Professional Liability Program is a group policy designed for the specific risks of students and faculty participating in hands-on training and clinical rotations. The blanket structure simplifies administration for schools and reduces gaps in protection for both real and alleged incidents on or off campus. As an agent, you can place single-campus or system-wide programs through Mercer’s streamlined process.
Target Classes and Ideal Accounts
This program is a strong fit for colleges, universities, and technical schools with students in clinical or applied programs, particularly in healthcare and allied health fields. Typical target classes include:
- Nursing
- Allied health (e.g., physical therapy, radiology, respiratory therapy)
- Dental hygiene and dental assisting
- Behavioral health and counseling
- Other healthcare-related professional training programs
Example accounts: you might place a community college with a large nursing program that rotates students through several hospitals, or a multi-campus university that needs a single blanket policy covering faculty and students across clinical sites.
Coverage Highlights and Advantages
- Blanket coverage for both students and faculty under one group policy
- Covers real and alleged incidents, on-campus and off-campus
- Multiple limit options to fit institutional needs
- Legal defense costs included
- Loss of earnings reimbursement for time spent in litigation or hearings
- Reimbursement for fees arising from disciplinary proceedings
Medical Payments and Additional Benefits
- Damage to property of others coverage
- Occurrence-based coverage form
- First-aid and first-party assault coverage included at no additional cost
Underwriting and Markets
Mercer Consumer administers this program exclusively with Liberty Insurance Underwriters. The program is available on an admitted basis where applicable, and Mercer’s underwriting team focuses on educational institutions and professional liability exposures to provide consistent, market-aware placements.
Territories and Availability
The program is available nationwide — all 50 states plus Washington, D.C. — through admitted placements in applicable jurisdictions. Mercer can support single-location programs as well as multi-campus systems operating across state lines.
Why Work With Mercer Consumer
Mercer Consumer is a Managing General Underwriter with deep, long-standing expertise in educational and professional liability programs. Agents benefit from Mercer’s streamlined administration, experienced underwriting team, and an exclusive carrier relationship with Liberty Insurance Underwriters — all of which help you place complex student and faculty liability exposures efficiently and with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for colleges, universities, and technical schools with students enrolled in clinical or hands-on professional training programs, especially in healthcare fields like nursing, physical therapy, and dental hygiene.
Is this coverage available nationwide?
Yes, Mercer Consumer offers this program in all 50 states and Washington, D.C., on an admitted basis where applicable.
Does the program cover both students and faculty?
Yes, the blanket liability structure provides coverage for both students and faculty involved in professional training programs.
What carrier backs this program?
The program is underwritten exclusively through Liberty Insurance Underwriters, a trusted and established carrier in the liability space.
Are legal defense costs included in the coverage?
Yes, legal defense costs are included as part of the coverage, helping protect insureds in the event of a lawsuit or disciplinary action.
Need help placing an account? Connect with a market specialist.