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 to support this reality. With more than 56,000 professionals in 970 offices across 130 countries, our team combines international reach with local knowledge.

We work with a wide spectrum of educational institutions, including:

  • Private and international K-12 schools
  • Public and private colleges and universities
  • Academic medical centers
  • Affiliated organizations (associations, foundations, research organizations, museums 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:

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 Gallagher 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 and grow. 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 safeguarding to enrollment shifts
  • 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.

Five Education Insurance Trends to Watch in 2025

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.

Meet the Global Education insurance leaders

Global Education Insurance Summary

  • Solutions for the full spectrum of educational institutions, from K-12 schools to global universities
  • Protection that adapts to both domestic operations and cross-border growth
  • Data and benchmarking tools that reveal opportunities and strengthen financial performance
  • Strategies that place student wellbeing, faculty safety and institutional resilience at the center

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