Global Education Insurance

Education is becoming increasingly global — institutions are expanding across borders, welcoming diverse students and faculty populations and navigating risks that span countries and cultures. With that expansion comes complex risks that require both local knowledge and a global strategy.

Education without borders

Institutions today are no longer confined by geography. Universities establish campuses abroad, schools build international partnerships and students move across borders in pursuit of knowledge. This global movement brings enormous opportunities — but also complex risks that vary by country, culture and regulation.

The Global Education practice was created with this reality in mind. We work with a wide spectrum of educational institutions, including:

Private, independent and international K-12 schools
Public and private colleges and universities
Teaching healthcare facilities
Affiliated organizations, such as associations, foundations, research organizations and more

Education is increasingly borderless and so are we — standing beside institutions wherever learning takes place, building resilience across cultures and empowering growth across regions.

Insurance solutions that evolve with education

Every school, college and university faces a different risk landscape. Our Global Education insurance practice provides solutions that adapt to those differences — always broad in scope but tailored in design. We support educational institutions in protecting their people, preserving their infrastructure and ensuring continuity in times of disruption.

From customized property and casualty programs for every aspect of school operations, to holistic enterprise risk management consulting and assessment programs, we address the exposures most critical to education. Discover some of the insurance solutions available to protect your global education journey:

Property and casualty programs

Institutions must protect their campuses, facilities, property and assets against unexpected events. Gallagher designs tailored insurance and risk management programs that safeguard physical assets and provide financial continuity when the unexpected strikes.

Enterprise risk management consulting

Education leaders face risks that extend beyond insurance. Our Enterprise Risk Management (ERM) consulting provides a structured framework to identify, measure and mitigate exposures — helping boards and administrators embed resilience into strategy and governance.

Student health and accident coverage

Student wellbeing is central to institutional success. We deliver tailored accident and health programs, including athletics and study abroad coverage, ensuring that students are protected no matter where learning takes them.

Tuition protection insurance

When students withdraw due to illness or injury, both families and institutions are financially impacted. Gallagher offers tuition protection solutions that safeguard revenue streams for the institution and give families greater peace of mind.

Business interruption planning

Disruptions can halt learning and destabilize budgets. Our specialists help institutions build continuity strategies that minimize downtime, preserve academic operations and secure critical revenue during crises.

Cyber liability protection

Education has become a prime target for cyberattacks. Our team is prepared to help your institution by providing risk management and cyber insurance solutions tailored to your business.

Innovation for smarter decisions

We believe that the right insights lead to better outcomes. Gallagher provides innovative tools that combine data, analytics and methodology to help institutions make smarter, more confident decisions.

Gallagher Drive is our advanced data and analytics platform, designed to deliver real-time insights that strengthen risk management and financial strategies.

With Drive, institutions can:

Benchmark program structures against industry peers
Understand past losses and forecast future liabilities
Optimize insurance programs and reduce hidden costs
Identify the most efficient use of capital to minimize expenses

It also includes specialized tools for placement analytics, claims diagnostics, litigation management and compliance, all supported by our global team of education insurance specialists.

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Gallagher CORE360 is our unique comprehensive approach to evaluating your risk management program.

Through our proven methodology, we can:

Redefine your true cost of risk and identify opportunities for savings
Apply a structured process across renewal prep, market analysis, program design and beyond
Deliver actionable insights that reduce risk, improve efficiency and strengthen long-term resilience.

CORE360 leverages analytical tools and diverse resources for customized, maximum impact on six cost drivers of your total cost of risk.

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Every institution carries a unique risk profile that influences its ability to operate. A thorough analysis provides clarity on both vulnerabilities and opportunities by examining factors such as:

Operational risks — day-to-day exposures that can disrupt teaching, research and administration
Financial risks — pressures that affect budgets, funding and long-term sustainability
Strategic risks — challenges tied to institutional goals, partnerships and growth plans
Geographic risks — exposures linked to regional conditions, regulations and environments
Education-specific risks — issues unique to schools, colleges and universities, from location, cohort enrollment and inherent teaching risks unique to curriculum delivery
Infrastructure and history — physical assets, systems and past loss experience

By optimizing the risk profile, education organizations can protect today's mission while strengthening tomorrow's success.

Together, these tools provide a powerful combination: data-driven insights and proven methodology that transform risk into opportunity for your institution.

Success story: Strengthening risk resilience for a leading global university

The challenge

In 2021, a leading global university faced a volatile market and the sudden withdrawal of a long-term insurer.

The institution's diverse operations made it difficult to quantify business interruption and property values for underwriters. Furthermore, the urgent need to secure viable, long-term cover faced rising costs and limited local options.

The solution

Gallagher initiated a fundamental risk-and-resilience review to establish radical assurance and transparency.

This review involved implementing protocols to link key risk functions, building a single source of data for the complex portfolio. The review created a blueprint for promoting proactive operational risk management in complex education sectors.

The result

The institution achieved a substantial rebate from the market by leveraging comprehensive risk data management. Stronger, long-term cover was secured and restrictive clauses on business interruption protection were removed.

The academic institution is now positioned to move forward with a self-insurance model, strengthening its long-term financial resilience.

A diverse group of business people gather around a laptop in a modern office

Five Education Trends to Watch

Discover the top risks shaping global education and how schools can build resilience.

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Shaping the future of global education together

Education never stands still. Institutions are constantly adapting — expanding, embracing digital learning, supporting student wellbeing and navigating financial pressures. In this dynamic environment, resilience is no longer optional; it's fundamental to fulfilling the mission of teaching, research and growth.

Our role is to stand alongside schools, colleges and universities as they face these complexities. With every program, every analysis and partnership, we help education leaders make decisions with clarity and confidence. We're committed to walking that path with every institution ready to shape what comes next.

Andrew Hosie

SVP, National Sales and Practices

Toronto, Ontario

Phone Number (647) 258-3204