Higher Education Insurance

Strategic coverage for higher education institutional risk

Delivering higher education in today's environment means managing risk across every facet of your operations. We bring deep knowledge and industry-leading analytics to help your campus remain financially resilient, operationally sound and legally compliant.

Whether you're protecting historic buildings, modern labs or digital infrastructure, your operations require flexible, forward-looking solutions. We work alongside you to address exposures unique to your campus environment and align protection with your institutional goals.

Higher education institutions face increasing financial pressure due to enrollment declines, inflation, litigation, political shifts, natural disasters and insurance market volatility. Your institution benefits from our guidance to anticipate cost shifts, address market challenges head on and build sustainable programs that address your specific needs and priorities.

At Gallagher, we offer comprehensive coverage and support, including:

Empowering your workforce

Faculty and staff are the backbone of your institution. We help you build thoughtful, forward-looking benefits strategies that foster engagement, strengthen your value proposition and support a thriving campus environment.

As employee expectations evolve and competition for talent intensifies, institutions are rethinking how they attract and retain faculty and staff. Our team works with you to enhance your employee value proposition through inclusive, compliant and impactful programs tailored to your mission and values. And we do it all with a vigilant eye on the affordability of healthcare for you, your employees and their families.

We design solutions tailored to your culture and values, including:

We design strategies that work together to foster a healthier, more resilient campus. By investing in your people, you're not just meeting today's expectations — you're building a stronger foundation for the future.

Student wellbeing and health solutions

Our approach to student health blends care, access and adaptability. We help you deliver healthcare experiences that meet evolving student expectations, align with institutional policies and promote overall wellbeing across your campus.

Student health needs are evolving, both in complexity and visibility. Supporting student physical and mental health is essential for delivering a meaningful campus experience. Institutions are enhancing access to care, closing coverage gaps and ensuring their student plans meet modern standards of affordability, equity and compliance.

We provide flexible, data-informed solutions to help you deliver quality care while managing risk and cost. Our programs address the most pressing healthcare needs for your students today:

• Healthcare access for all students, including uninsured, underinsured and international student populations
• Insurance solutions tailored to student-athletes and the specific risks associated with collegiate sports programs
• Healthcare and risk protection for students participating in study abroad programs and international academic experiences.

Expanding your impact across borders

Higher education institutions are increasingly operating beyond borders — through international partnerships, global campuses and diverse student and faculty populations. Our team brings a coordinated global strategy to help you manage risk consistently across geographies, while adapting to local regulations, cultural expectations and operational realities.

We collaborate across regions in Canada, the UK, Asia and Latin America to deliver solutions that support mobility, compliance and continuity. Whether you're opening a new campus abroad, sending students overseas or recruiting international faculty, our team will guide you every step of the way.