Higher Education Insurance- Philadelphia Insurance Companies

Your Questions, Answered: FAQs about Higher Education Insurance

For more than 25 years, Philadelphia Insurance Companies (PHLY) has offered exceptional and cost-effective insurance solutions for educational institutions. PHLY specializes in Higher Education insurance for colleges and universities with 10,000 or fewer enrolled students. This insurance offers general liability, property, educators legal liability, and employment practices liability coverages as well as risk management solutions.

Six Important Questions About Higher Education Insurance

Higher Education insurance is a specialized product. It has unique coverages that help protect colleges and universities from the numerous hazards they may face. PHLY offers dedicated insurance packages tailored to fit the needs of our higher education clients. Below are some of the most frequently asked questions we receive about our coverage.

Does PHLY cover college sporting events?

PHLY offers excellent coverage for college athletic events, provided there are CDC concussion procedures in place at the institution. This is because contact sports injuries like concussions and traumatic brain injuries cost colleges millions of dollars every year. PHLY has participant accident and student accident insurance to protect college staff members and student athletes if an incident happens.

Does PHLY cover extracurricular events?

Yes. Colleges and universities often host extracurricular events both during the academic year and during school breaks. PHLY covers a wide range of these activities for our higher education clients. Some examples include:

  • Special Events and volunteer service activities
  • Arts and performance events
  • Multicultural activities
  • Academic events

Many colleges and universities also host summer camps and recreation programs - many of which may involve minors. We bring decades of risk management experience to review these programs. And we have a high level of expertise when it comes to protecting minors at extracurricular events on college campuses. In this area, we offer superior abuse prevention services, which includes access to:

What risk management services does PHLY offer?

PHLY's insurance programs for higher education feature a number of risk management solutions that are designed specifically for educational institutions. PHLY offers several trainings and materials that cover topics such as:

  • Active shooter training and campus security
  • Sexual abuse awareness training
  • Suicide prevention training

Skillful screening for prospective employees (with special discounts on background checks) PHLY also offers a hotline for legal consultations for employment related issues when coverage is purchased from PHLY. And we provide property evaluations to help prevent common occurrences like pipe freezing. All of these risk management solutions from PHLY are designed to meet the unique needs of colleges and universities.

What does PHLY offer for fleet and vehicle safety?

For automobile risk management, PHLY offers the PHLYTrac telematics program for colleges and universities.

PHLYTrac features a GPS tracking solution that provides real-time insights into driving behavior. In turn, it creates opportunities for corrective measures and lowers driver risks. Ideal for college and university vehicles, this is offered at no additional cost to eligible PHLY customers. PHLY offers superior auto coverage that includes several benefits such as:

  • Coverage for owned, non-owned, and hired vehicles
  • Liability and physical damage coverage
  • Rental reimbursement
  • Coverage for fleets including 60+ passenger buses

What experience does PHLY have with sexual harassment and assault claims?

With a rise in sexual assault reports and lawsuits, this issue is a major concern for higher education institutions. PHLY's extensive background in human services allows us to offer advanced expertise and support in this area. We have handled sexual assault and abuse claims in our more than 30 years of experience in the sector. PHLY also offers access to excellent legal resources through our partnerships with top law firms.

Does PHLY offer crisis management services?

PHLY's insurance products and services include Crisis Management and Violent Event Response endorsements for colleges and universities. PHLY also has a Public Image Restoration endorsement that covers public relations costs if an incident causes damage to its reputation. Expenses covered with this endorsement include:

  • Public relations consultants
  • Security
  • Counseling
  • Seminars and forensic analysts

With decades of experience, PHLY brings unique expertise that makes us an excellent partner for our higher education clients. Request a quote today to take advantage of PHLY's Higher Education insurance!

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