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Schools and other educational institutions are more than just places of work or businesses with assets to protect. They have the unique responsibility to not only educate our children, but also protect their physical and emotional welfare as well. This sets them apart as organizations, and makes them subject to specialized legislation, unique duties of care, and sometimes complex systems of management and governance.

AIG reflects the specific needs of the education sector with insurance products and risk management services designed to meet the specific needs of schools and other learning institutions. We instill a collaborative approach to evaluating risk and the levels of certainty clients need to minimize and manage risk.

At AIG, we offer extensive knowledge and experience of the education sector to help educational institutions manage both traditional and emerging risks - from property and general liability coverage to employment practices, cyber security, and privacy coverage – leaving schools to focus on what’s really important: taking care of our children.

Products and Services for the Education Industry

Comprehensive General Liability

This cover is designed to address the costs of the Insured’s legal liability arising out of accidents, injuries, and property damage sustained by third parties. Companies of different sizes and industries need sound liability coverage against these traditional exposures.

Directors and Officers

Directors and Officers has two lines of products: CorporateGuard Premiere, which covers mid to large-sized private and publicly-listed companies, insuring claims against D&Os for alleged breach of duty, neglect, misstatements, errors or omissions. The second one is PrivateEdge, designed for private companies that offer solution for potential liability resulting from action and inaction of the directors and officers, and the employment practice they implement.

Kidnap, Ransom and Extortion

Tailor-made solution to address kidnap, ransom and extortion threats to organizations and individuals around the world. Insurance policy cover includes incident response, financial cover, and risk prevention.

Property All-Risk

This policy provides you with coverage for your property against loss or damage caused by fire and lightning, and allied perils such as earthquake, typhoon, flood, falling aircraft, impact damage, volcanic eruption, riot, strike and malicious damage. Additional covers may be added to meet the needs of the business. There is an option to include Machinery Breakdown cover, Electronic Equipment Insurance cover, and Business Interruption in this policy.

Cyber Insurance

This is a specially designed solution which addresses the liability of companies arising from data protection laws, the management of personal data, and the consequence of losing corporate information.

Employers' Liability

Pays on behalf of the Insured, all sums which the Insured shall become legally obligated to pay as damages because of bodily injury caused by an accident or disease, including death of the Insured’s employee arising out of and in the course of employment.

Professional Liability

Covers professionals for their legal liability arising from their expert advice or errors and omissions on the services they provide. Certain types of claims made against them by third parties under civil law. It provides financial coverage to meet the costs of defending legal actions and payable damages.