Education and School Insurance

Looking for Education Insurance in Michigan?

Educators, schools, teachers, and universities come face to face with high-risk situations every day that could cause harm to employees, students, or property. Whether it’s the variety of student exposures to property damage, there is a lot that educators and schools have to be prepared for. That’s why we are here to make the process simple yet thorough!  Minimizing the financial impact of an event and transferring risk to an insurance company are all essential components of a business risk management strategy.

Mason-McBride works directly with experienced insurance carriers to address the risk of educators and can put together an education insurance program that specifically meets your needs.  Notable exposures currently getting attention in the marketplace are:

Business Property Insurance:

Business property insurance covers equipment, signage, inventory, and furniture in the event of a fire, storm, or theft. However, it doesn’t cover mass-destruction events like floods and earthquakes.

General Liability Insurance:

General liability insurance can help protect your business against claims for bodily injury, property damage, advertising injury, errors, or omissions. In addition, without this coverage, you may be responsible for paying out of pocket for legal costs, such as attorney fees and settlement amounts.

Professional Liability Insurance:

Also known as Errors and Omissions (E&O), professional liability insurance can help protect your business from consequential loss resulting from negligence claims associated with your professional service. Professional liability claims involve allegations whereby the customer alleges they lose revenue or incurred expense because of the negligent rendering of professional services.

Workers Compensation Insurance:

Worker comp insurance gives your employees benefits to help recover from a work-related injury or illness. It can also benefit your employee’s families if they lose their lives in a workplace accident. Different factors can affect your workers’ compensation cost, such as job risk, claims history, and payroll size.

Commercial Umbrella Insurance:

Commercial umbrella insurance extends the coverage limits for some of your liability policies. So, if a claim exceeds the limits on your policy, your umbrella insurance can help cover the difference.

Cyber Liability Insurance:

Cyber liability insurance helps your business respond to a data breach if personally, identifiable information gets lost or stolen. In addition, many policies will include extortion coverage, business income protection, and systems failure, all caused by a breach.

Education Insurance for all Michigan Cities

Our insurance policies can be customized for any Michigan city, including, but not limited to:

  • Warren
  • Sterling Heights
  • Clinton Township
  • Macomb
  • Auburn Hills
  • Rochester Hills
  • Dearborn
  • Livonia
  • Troy

Insurance Tailored to Educators

Our professional team can help you navigate the insurance marketplace and conduct a risk review.  We advise not waiting for an event to audit your program and make necessary adjustments.

We can also provide business-specific coverages, including crime insurance, employee benefits, liability insurance, sexual misconduct insurance, and law enforcement insurance- among many others. Again, Mason-McBride will put together a program that fits your needs.

Get Started with a Proposal

Whether you need business insurance or a combination of coverages, our team of specialists can find a coverage plan that offers complete protection.

Get an online quote started below, or give our office a call.

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