Insurance solutions for a wide range of schools, colleges, high education institutions, training organisations, and education specialist providers.
Insurance solutions for a wide range of schools, colleges, high education institutions, training organisations, and education specialist providers.
Specialist Risk Group (SRG) has deep experience across education and training environments, including supervision responsibilities, safeguarding obligations and regulatory requirements. We work with leadership, educators and governance teams to understand operating models, student profiles and institutional risk, and structure insurance programs aligned to the realities of education delivery.
Education providers face significant responsibilities around student safety, regulatory compliance, staff accountability and continuity of learning. Incidents, teaching errors, operational disruption or digital breaches can create financial, legal and reputational impact for institutions of all sizes. With complex risks across supervision, assessment, governance, and digital learning environments, specialist insurance is essential to protect students, educators and long-term institutional stability.
Incidents, injuries and behavioural-related events that occur under supervision.
Errors in teaching, assessment, guidance, certification, educational advice, or specialist instruction.
Staff disputes, misconduct allegations, investigations, or governance risks.
Exposure arising from non-compliance with education standards, licensing, or accreditation requirements.
Disruptions caused by insured damage or events affecting educational delivery.
Cyber incidents affecting student records, learning platforms, and online delivery systems.
We arrange cover for a wide range of education and training providers, including:
Coverage against injury or property damage involving students, visitors, parents or the public on your premises.
Protects against claims arising from teaching errors, assessment inaccuracies, guidance failures or training delivery issues.
Coverage for buildings, kitchens, refrigeration, POS terminals, stock, fixtures, signage and shop fit-outs, classrooms, ICT equipment, labs, training rooms, libraries, and educational infrastructure against damage or loss.
Insurance support for student injuries sustained during learning activities, excursions or supervised events.
Protection for boards, principals, and leadership teams from governance claims, regulatory investigations and management disputes.
Coverage for staff-related claims including harassment, discrimination, unfair dismissal or workplace behaviour allegations.
Protects revenue and operational expenses when educational delivery is disrupted by insured events.
Cover for data breaches, cyberattacks, ransomware and digital system failures impacting student records or online learning systems.
Protects against theft, fraud or dishonesty by employees, volunteers or third parties.
Insurance coverage for essential equipment such as freezers, ovens, fryers, dishwashers and climate-control systems.
Insures educational equipment, devices and learning materials during transport or off-site excursions.
Coverage for functions, private events, temporary activations or pop-up experiences.
Covers liabilities arising from agreements with education authorities, training partners or corporate clients.
Education providers hold elevated duty-of-care and safeguarding responsibilities for students, staff and visitors. Standard business insurance rarely responds adequately to supervision risk, assessment disputes, regulatory action or student injury exposures.
Risk profiles vary significantly. Schools face heightened supervision and safeguarding exposure, RTOs carry assessment and certification risk, and tertiary providers face governance, regulatory and reputational exposure. Insurance must reflect how education is delivered, assessed and regulated.
Claims often arise from student injury under supervision, alleged teaching or assessment errors, staff misconduct allegations, regulatory investigations, cyber incidents affecting student data and operational disruption following property damage.
Yes. Professional Indemnity insurance protects against claims alleging errors in teaching, assessment, certification, academic advice or training delivery, particularly relevant for RTOs, tertiary providers and specialist education services.
Insurance programs are structured to respond to incidents involving student injury, supervision failure or safeguarding allegations, while also supporting defence costs and claims management during investigations or disputes.
Yes. Programs can be designed to scale across campuses, delivery models and jurisdictions, maintaining consistency while allowing for growth, acquisitions or service expansion.
Generic Commercial insurance policies often exclude teaching activities, impose unsuitable sub-limits or fail to respond to regulatory or safeguarding claims, leaving institutions exposed to uninsured loss and compliance risk.
Directors and Officers (D&O) and Management Liability insurance protect leaders against claims relating to governance decisions, regulatory non-compliance, employment disputes and alleged failures in oversight.
Specialist policies can respond to defence costs and investigations arising from alleged breaches of education standards, licensing requirements or accreditation obligations, where insurable.
Employment Practices Liability and Management Liability cover claims involving unfair dismissal, discrimination, misconduct allegations, volunteer disputes and employment-related investigations.
Insurance programs are often structured to meet regulator, investor, CRO, manufacturer and commercial partner requirements, including limits, wording, jurisdiction and indemnity alignment.
Inadequate or non-compliant insurance can delay trials, breach contracts, invalidate approvals or expose directors and sponsors to personal liability. Early review is critical.
Intellectual Property insurance can protect against infringement claims and defence costs relating to patents, proprietary technology or licensed IP, which are often core to enterprise value.
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