Securing insurance coverage for educational institutions can be a tricky process. S.H. Smith & Company's Umbrella/Excess programs for Educational Institutions make it easy to secure comprehensive coverage at competitive rates. With 12 years of proven success and a pair of "A" rated carriers (Fireman's Fund and General Star), S.H. Smith & Company's Umbrella/Excess programs for Educational institutions are second to none.

Umbrella / Excess Coverage Features:

• $50M capacity, available in $1M increments ($10M lead Umbrella / $40M Excess)
• Up to $45M in abuse & molestation coverage
• Can extend over over primary Educators Legal Liability (E&O, D&O, and EPL coverages)
• Can provide expanded coverage for certain pollution-related risks such as those related to laboratory accidents, pesticide and herbicide applications, and swimming pool chemicals
• Up to $100K first dollar School Violent Acts coverage for K-12s on lead Umbrella
• Low minimum premiums beginning at $3K
• Available countrywide

Coverage Features Include:

• New conditions coverage only retroactive date of policy inception (except at renewal)
• $1M per pollution condition / $1M aggregate
• Coverage A – new pollution conditions
• Coverage B – pollution conditions

Target Classes:

• Independent Schools
• Charter Schools
• Combined church and school risks
• Private colleges and universities with less than 7,500 residential students
• Community colleges
• Trade, technical, and professional schools
• Other nonprofit and for profit educational institutions

Our Umbrella/Excess programs are only two of the liability coverages that S.H. Smith & Company offers for educational institutions. We are also able to write Cyber, Security & Privacy, Educators Legal Liability, Outbreak coverage and as of recently, Premises Pollution Liability for Private and Charter Schools. (see side panel for more info)

To learn more about the coverage features of our Umbrella/Excess programs, our Premises Pollution Liability Program, or any of the other coverages that we offer for Educational Institutions, we invite you to contact one of our experts today; we look forward to the opportunity to show you the S.H. Smith & Company difference.

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Vice President
(860) 656-1256
(800) 356-0168 x 1256

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Account Manager
(860) 656-1320
(800) 356-0168 x 1320

Private and Charter School Premises Pollution Liability Program

Our new private and charter school Premises Pollution Liability program is something we are very excited about having access to. Classes are limited to domestic Charter and Private schools, grades K-12. Minimum premiums start at $4K.

CONNECTICUT, MARYLAND, MASSACHUSETTS, MINNESOTA, NEW YORK, OHIO, RHODE ISLAND