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Insurance for

Higher Education

The First Underwriters’ Higher Education practice operates to solely manage the risks associated with operating colleges and universities. The majority of our staff has over 20 years of experience in the field of insurance, claims, and risk management. This experience includes extensive knowledge of insurance market trends, proper reserving and claim handling practices, and evolving risk faced specifically by higher education.

Expert Insurance Placement utilizing:

  • Market knowledge
  • Cost effective pricing approach
  • Proficient underwriting data submissions

Program Administration

  • In-depth review to insure accurate coverage
  • Recommendation based on client needs and benchmarking
Wood Industry Insurance Coverages

Insurance exists for the purpose of protecting persons and organizations from the adverse financial consequences of certain unpredictable events, regardless of the coverage line being considered. For general liability insurance, the unpredictable event that constitutes the subject of the insurance is a claim of legal liability arising out of a company’s operations, premises, products, and completed work.

Umbrella liability insurance and excess liability insurance are two forms of secondary coverage—that is, they both sit above one or more underlying liability policies and do not attach until the underlying policy’s limit of insurance has been exhausted.

The Commercial Auto policy will pay “sums” for which the insured is legally liable because of bodily injury or property damage to which the insurance applies. Therefore, while covered bodily injury or property damage is required to trigger coverage, recovery under the policy can actually go beyond these types of damages.

Employee Benefits Liability insurance provides coverage to an employer for errors or omissions in the employer’s administration of its employee benefit program.

The Employee Benefits Liability coverage would pay for the benefits that would have been payable under the health insurance plan but for the employer’s error.

Commercial property  is the policy that an organization purchases to pay for damage to its own buildings and the personal property in them. A commercial property policy can also cover loss of income or increase in expenses that result from insured damage to buildings and their contents.

A business income coverage form is an extension of the commercial property type policy which funds a company’s loss of income due to a slowdown or temporary suspension of normal operations which stem from damage to its physical property. Coverage typically includes the loss of income but excludes ordinary operating expenses. 

Equipment breakdown coverage is a commercial property form of insurance that provides funds to repair or replace the listed on the policy damaged machinery or equipment that has suffered a mechanical or electrical failure.

Crime and Fidelity Insurance protects the actual money you have in the operating account and reserve accounts. Crime and Fidelity Insurance protects the money from embezzling, check fraud, invoice padding or false invoices, computer fraud and wire fraud.

Inland marine insurance today broadly includes all forms of non-ocean-going transit coverage and coverage for risks loosely associated with transportation. Insurance products range from coverage on mail and cargo to coverage on bridges, towers, tunnels and other fixed assets. This can create confusion, as there is overlap between inland marine insurance and property insurance. To clarify what inland marine insurance includes, the NAIC set out a broadly used definition of inland marine insurance, which is personal property floaters (covering property that moves between locations). 

We Work For You!

7599 - Reliability

WE WORK WITH TOP RATED CARRIERS

There are more than 100 insurers licensed in the US, each with its own specialty. We will match them with your specific needs and requirements.

7612-Trust

WE ADVISE AND ACT IN YOUR BEST INTEREST

We will help you identify your individual and/or business risks to help you decide what to insure, and how to manage those risks in other ways.

7589 - Morality

WE PLACE YOUR CUSTOMIZED POLICY

We will arrange the right insurer, negotiate the terms and place the policy on your behalf, all while making the most of your insurance budget.

- Auto Dealerships Insurance -

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