Hummel is honored to act as your trusted partner in protecting the education journey of students in private school and college. Our Private School & College Insurance policies are created to address the distinct needs of educational institutions, ensuring comprehensive coverage for property, liability risks, and the unique challenges faced in the academic environment. Whether you operate a private school or college, our certified commercial insurance experts are knowledgeable in the educational sector. Trust us to lower your costs, simplify your coverage, and provide insurance that upholds the safety and success of your academic community.
Property Insurance
Liability Insurance
Crime
Worker's Compensation
Umbrella Insurance
Auto & Van Insurance
Health Insurance & Benefits
We have expert advisors in the following areas:
Learn how shifting your perspective on risk management delivers tangible results to you, your company and your employees!
Your employee’s personal auto insurance policy should cover them personally. As a church or nonprofit, you need to make sure you have what’s called Hired/Non-Owned liability coverage endorsed to your policy. This covers your entity if you are also named in a lawsuit per it being your employee driving somewhere having to do with their employment with you.
A hold harmless is an agreement between two parties that obligates one party to protect another against certain risks of legal liability. For example, you may have an outside group that requests to rent a room in your building every Wednesday evening for a Yoga class. As the building owner, you might ask them to sign a hold harmless agreement so that if someone injures themselves during that class, you have a layer of protection from being sued. You would also want to consider requiring the Yoga instructor to carry their own insurance and list you as an additional insured on that policy.
General liability policies typically do not include this type of coverage. Therefore, it is important to discuss adding a sexual misconduct specific endorsement to your policy.
Most commercial general liability policies include coverage for what’s referred to as “host liquor” liability. This would apply to policyholders that are not considered to be in the business of selling or serving alcohol. It would also be advisable to check with the city where the event is being held, along with the landlord who owns the building, in case they require you to have specific liquor liability coverage.
When it comes to insurance for your business, your Hummel risk advisor is going to provide you with a custom-tailored plan that's best for you, not our company.
To learn more about what this means for you, take a look at the Trusted Choice Pledge of Performance by clicking the Trusted Choice logo.
If you need to submit a claim, you get one of our full-time claim specialists to advocate for you with the insurance company and support you through the entire process, step-by-step.