College & University Insurance Coverage Checklist
The coverages a college & university business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for colleges, universities, and community colleges. Priorities reflect typical exposure for this class; confirm against your actual operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability | Covers campus premises, events, and student injuries. | Core | |
| Educators Legal Liability (D&O / E&O) | Covers board, faculty, and administrative wrongful acts, including student and Title IX claims. | Core | |
| Sexual Abuse & Misconduct Liability | The largest education losses; reviver statutes reopen decades-old claims. | Core | |
| Property & Business Income | Covers buildings, labs, and lost tuition after a major loss. | Core | |
| Umbrella / Excess Liability | Hazing deaths and abuse cases reach well beyond primary limits. | Core | |
| Workers' Compensation | Covers faculty, staff, and student employees. | Core | |
| Cyber Liability | Institutions remain prime targets for ransomware and data breaches. | Core | |
| Student Accident / Athletic Catastrophic | Pays student-athlete injury costs and catastrophic injuries. | Prevalent | |
| Foreign Package (Study Abroad) | Covers students, faculty, and programs outside the U.S. | Prevalent | |
| Pollution / Environmental Liability | Covers labs, power plants, and fuel tanks. | Situational | |
| Fiduciary / Crime | Covers retirement plans, endowment, and employee theft. | Situational |
The coverage gap most often missed
The gap most often missed by colleges is old sexual misconduct exposure. Reviver statutes let survivors sue over abuse from decades ago, and the policy that responds is the one in force when the abuse happened. Many institutions cannot find those old policies, and current sexual misconduct limits are often sublimited. Locate historical GL policies now, and confirm your sexual misconduct limit follows up your excess tower.
Send us the checklist and we'll review your college & university coverage line by line, then market it across multiple carriers that compete for your account.
Related: College & University Insurance · College & University Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a college & university business need?
The core coverages for a college & university business are General Liability, Educators Legal Liability (D&O / E&O), Sexual Abuse & Misconduct Liability, Property & Business Income, Umbrella / Excess Liability, Workers' Compensation, Cyber Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my college & university coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.