Cyber Liability for Education

Cyber Liability Coverage Tailored for the Education Sector

As schools and educational organizations increase their use of digital platforms, remote learning tools, and cloud services, their exposure to cyber risk grows. NAS Insurance Services offers Cyber Liability for Education through its NetGuard™ Plus program — a market-ready option that helps agents place protection for breaches, ransomware, business interruption, regulatory fines, and reputational harm specific to the education environment.

Ideal Accounts and Appetite

NetGuard™ Plus targets a broad range of education-focused accounts, including:

• K-12 public and private schools
• Charter schools and academies
• Colleges and universities
• Vocational and trade schools
• Tutoring centers and e-learning providers

This program fits both small districts and larger institutions. For example, you might place a school district worried about ransomware targeting its student information system, or a private college seeking coverage for donor and alumni data exposures. NAS underwrites to the needs of the education sector and can tailor limits and sublimits to a client's profile.

Coverage Highlights and Advantages

• Separate large breach response limits that are distinct from the policy aggregate, preserving defense capacity
• Network Asset Protection with business interruption and data loss recovery coverage
• Coverage for PCI fines & penalties, including associated defense costs
• Notification expenses and credit monitoring, even when notification is not legally required
• Pre-emptive public relations expense coverage to help mitigate reputational damage
• No exclusions for cloud-based systems or social media platforms

Policy limits are available up to $10 million, and accepted accounts gain access to breach response experts to help manage incidents from first notice through resolution.

Underwriting Notes and Minimum Premiums

NetGuard™ Plus is placed on a non-admitted basis through Lloyd’s, London and other highly rated carriers. NAS underwrites with flexibility and will work with agents to structure limits and terms to match each account’s risk profile. Minimum premiums start at $750, which helps make the program accessible to smaller educational organizations.

Typical underwriting considerations include the institution’s data practices, network segmentation, existing incident response plans, and any history of prior cyber incidents.

Territories and Availability

Cyber Liability for Education is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.

Why Work With NAS Insurance Services?

NAS Insurance Services is a Managing General Underwriter with deep cyber liability expertise and established relationships with top-rated London and international carriers. Agents benefit from responsive underwriting, tailored placement options, access to specialized breach response resources, and a program designed specifically for the nuances of education clients.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.