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Schools

Educational institutions find themselves contending with an array of challenging circumstances. Rising operational costs, safety and security concerns, decreases in funding, employment practices liability, and other exposures common to schools in Hawaii can seriously affect an institution’s reputation, profitability, and competitiveness if they are not managed wisely.  Additionally, many schools don't carry adequate sexual abuse or school officials liability coverage.

We understand the issues educational institutions face when it comes to risk, including:

  • High property premiums due to increased water damage type losses, especially in multi-story structures with no plan in place to prevent them
  • No sewage back-up plan
  • Lack of awareness of true replacement cost of buildings at today's high construction cost, creating a potential uninsured situation on future property losses (eg. coninsurance penalties or inability to rebuild due to insufficient loss recovery)

Atlas concentrates on helping educational institutions develop integrated and sustainable risk awareness into their operations. Through our consultative approach to risk management, Atlas works with schools in Hawaii to assess their strategic, operational, and hazard exposures, which may include:

  • Internet related risks
  • Out-source services
  • Hazing and substance abuse
  • Occupational injuries
  • Allegations of harassment and discrimination

Atlas can help assess your exposures and will find solutions that address your unique industry exposures.  With our Arthur J. Gallagher partnership, we have a resource to help our clients obtain certified replacement cost valuations of the properties, giving them reassurance that they are adequately insured.

Typical insurance coverages for educational institutions include, but are not limited to:

Please note, coverage information contained in this website is for illustration purposes only, is general in nature, does not represent insurance contract provisions and is not meant to take the place of an insurance review. Please read your policy for specific details or contact one of our Atlas Agents for more information.