Educational Institutions
Specialized Coverage for
Educational Institutions
Insurance built for schools, colleges and coaching institutes — campus, assets, buses, student and staff personal accident, and cyber/crime liability. Covered from admission to graduation.
350+Institutions Insured
8 Cr+Claims Settled
₹2,500+ CrTotal Insured Value
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Everything You Need to Know
What Is It?
What is Educational Institutions Insurance?
A package policy built for schools, colleges and training institutes, combining property cover for campus buildings and equipment with liability, personal accident, cyber/crime and motor covers that address the specific exposures of running an institution — large numbers of minors on premises, fee collections, digital student data, and daily transport.
Property & Fire Student/Staff PA Cyber & Crime Bus Fleet Public Liability
Why is it important?
Why is This Policy Vital for Institutions?
Schools and colleges hold responsibility for minors, sensitive personal data and physical safety across campus, labs, playgrounds and transit — exposures that sit outside a standard property policy. A single incident — a bus accident, a data breach of admission records, or a fire in a lab — can affect student safety, trigger regulatory and parental scrutiny, and create liability that a standalone fire policy was never designed to absorb. A tailored institutional package protects the trust the institution has built, and keeps operations running through a crisis.
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Who Needs this Policy?
Schools (K–12)
Day and boarding schools needing campus, PA for students/teachers, and bus fleet cover.
Colleges & Universities
Campuses with hostels, labs, libraries and large digital student-data footprints.
Coaching & Training Institutes
High footfall centres with fee-collection and third-party liability exposure.
Playschools & Pre-primary
Enhanced duty-of-care and personal accident cover for very young children.
Trusts & Management Societies
Governing bodies and trustees needing Directors & Officers and fidelity cover.
Types / Add-ons Commonly Offered
Fire & Special Perils
Buildings, furniture, lab equipment and library assets on campus.
Student & Teacher Personal Accident
Death, permanent disability and medical expense benefit, on-campus and in transit.
Cyber Liability
Student data breach, ransomware, and regulatory notification costs.
Crime / Fidelity Cover
Fee-collection fraud, employee dishonesty and financial embezzlement.
Bus & Conveyance Fleet
Comprehensive motor cover for owned school buses and staff vehicles.
Public & Legal Liability
Third-party injury or property damage on campus, at sports events or excursions.
What all is Covered?
Fire & Explosion
Flood & Natural Perils
Student/Staff Accident
Bus Accident & Breakdown
Data Breach & Ransomware
Fee Fraud & Embezzlement
Third-Party Injury on Campus
Burglary & Theft
Lab & Equipment Damage
Riots & Strikes
Group Health (Staff)
Directors & Officers
Inclusions & Exclusions
✓ Inclusions 5
Campus Property
Buildings, labs, furniture & fixtures against fire and allied perils.
Student/Teacher PA
On-campus, during transport in insured vehicles, and school-sponsored trips.
Cyber & Crime
Data breach costs, ransomware and internal financial fraud (when opted).
Bus Fleet
Own-damage and third-party motor cover for declared vehicles.
Public Liability
Third-party bodily injury/property damage arising from campus operations.
✗ Exclusions 5
Willful Misconduct
Deliberate acts by the institution or its staff.
Wear & Tear
Gradual deterioration of buildings or equipment.
Unlicensed/Unauthorized Transport
Vehicles or drivers not declared or not duly licensed.
Undeclared Off-Campus Activities
Trips or events not intimated to the insurer in advance.
War / Nuclear / Sanctioned Events
Standard political and sanctions exclusions.
Claims — Process & Examples
Claims information will appear here.
Frequently Asked Questions
Is Personal Accident cover mandatory for all students, or can we select certain classes/grades? +
PA cover can be taken for the entire student roll or restricted to specific grades/courses — premium is charged per declared headcount.
Does the bus cover apply to vehicles hired from a third-party transporter? +
Owned vehicles are covered under the institution's motor policy; outsourced/contracted buses need the transporter's own motor cover, with the institution's liability addressed separately under public liability.
What triggers the cyber/crime liability section? +
Unauthorized access to student/staff data, ransomware attacks, and fee-portal or internal financial fraud are the typical triggers, subject to policy terms and reporting timelines.
Are school trips, sports days and inter-school events covered? +
Yes, when declared in advance — PA and public liability extend to school-sponsored off-campus events opted under the policy.
What documentation is needed for a claim? +
Incident report, medical/police records where relevant, student/staff enrollment proof, and vehicle registration/RC copy for motor claims are commonly required.