International Schools Insurance

Schools face a wide range of liability exposures, from campus operations and events to staff activities and contractual obligations. Gallagher's combined business liability insurance provides broad, high-limit protection that goes beyond standard third-party liability, helping schools manage risk confidently and meet local and international requirements. Access flexible coverage structures and extensions, including access to traditional markets and bespoke options through Lloyd's of London. Coverage can accommodate schools located in or exposed to higher risk environments, where coverage availability may be limited.

• High limit coverage for premises, operations, injury and product liabilities
• Protection for local national and expatriate staff, including school related travel
• Worldwide coverage, including high-risk locations
• Primary or excess liability options with tailored extensions

Property damage can disrupt learning, campus operations and essential services. Gallagher brings your school's buildings and assets together under one specialized property and business interruption program, helping protect both facilities and financial stability. Designed for international schools, our coverage supports timely recovery following insured losses, including in high-risk locations.

• One coordinated property and business interruption policy
• Replacement cost coverage for buildings and campus contents
• Customizable plans that include building, business personal property, computers and data storage
• Business interruption protection for fixed costs and lost income
• Coverage for high-risk environments

Gallagher's international student travel accident insurance covers your school for events and travel both in country and across national borders. You can customize your plan to suit your school's specific needs and enjoy hassle-free administration with no declarations required prior to trips and blanket coverage policies.

• Flexible and customizable policy offer cover up to US $1 million per person.
• Coverage extends to teachers, staff, students, volunteers etc.
• Coverage includes war and terrorism protection against the risks of civil unrest, war and acts of terrorism.

Gallagher secures international auto and fleet insurance coverage tailored to how your vehicles are used (e.g., student transport, staff travel or operational support) and are aligned with local compliance and claims practices. This approach helps reduce coverage gaps, control costs and ensure dependable protection wherever your school operates.

• Plan covers auto liability and physical damage worldwide.
• Dedicated, multilingual in-house claims team manage the full process.

When serious incidents occur, schools need immediate access to experienced support. Gallagher's kidnap and ransom insurance provides financial protection and rapid access to global crisis response experts to help schools respond decisively and responsibly. Coverage supports school leadership, staff and families before, during and after a crisis, including schools located in or exposed to high-risk environments.

• Immediate access to global crisis response specialists
• Support for staff and families throughout a critical incident
• Coverage for investigation, negotiation and secure fund delivery
• Available for schools operating in challenging or high-risk regions