US Property Industry Enhancements: Education

Simplified property form

  • Base contract of less than 20-pages
  • Common language used as much as possible
  • USD 1,000 minimum all other perils deductible

Suite of enhancements

Industry enhancement

The industry enhancement for education is automatically added to every eligible risk in the industry. This automatic industry enhancement includes:

  • Personal property of students
  • Prizes and giveaways
  • Evacuation expenses
  • Fundraising expenses
  • Professional employee replacement expense
  • Relocation and move-back expense
  • Restocking expense for library collections

For select risks, we can also provide:

  • Radioactive contamination
  • Research animals
  • Research materials
  • Research and development expense

Optional enhancement

  • Auto quoted for fixed limits: USD 150K, USD 250K, USD 500K and USD 1M
  • Applies on a per-location basis
  • Sits excess of any individual coverage purchased separately
  • Includes all of the following coverages:
    • Accounts receivable
    • Debris removal
    • Electronic data processing media
    • Fine arts
    • Fire and police service charges
    • Personal property of others
    • Valuable papers and records

Tech-enabled underwriting

  • Only ask need to know questions


Notable coverages included in Elevate base policy form

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Physical damage

Demolition and increased cost of construction
Miscellaneous unnamed locations
Newly acquired property – 180 days from date of acquisition
Valuable papers and records

Property Industry Enhancements