Education Industry

Education insurance is a vital component of risk management for educational institutions, providing essential protection against a wide range of potential liabilities and unforeseen events. As custodians of learning environments, educational institutions face unique challenges and responsibilities, from ensuring the safety of students and staff to safeguarding valuable assets and managing complex operations. In this context, education insurance serves as a critical safety net, offering financial protection, legal support, and peace of mind in the face of various risks and uncertainties. From liability claims arising from accidents or injuries on school premises to coverage for property damage, cyber threats, and professional liabilities, education insurance provides comprehensive protection tailored to the specific needs of educational organizations. By investing in education insurance, institutions can effectively mitigate risks, fulfill their duty of care, and focus on their primary mission of providing quality education in a safe and secure environment.

This is where The Millward Agency steps in as your trusted partner, offering comprehensive insurance solutions tailored to meet the specific needs of the automotive sector.

Why Choose The Millward Agency?

Choosing The Millward Agency means opting for unwavering confidence in your insurance provider. Our accolades and recognitions speak volumes about our commitment to excellence. Our bespoke insurance solutions are designed to underwrite your success, with a proven track record of serving businesses like yours with integrity, innovation, and a keen understanding of industry-specific risks.

Nationwide Presence

We are proud to offer nationwide coverage while retaining a personal touch that resonates with local communities. Our understanding of diverse regional needs ensures that our clients receive service that feels both global and neighborly.

75+ Years of Expertise

We carry a legacy of over seven decades in the insurance industry. Our enduring commitment to excellence is rooted in a deep understanding of insurance’s evolving landscape, shaped by years of experience and client-focused service.

Integrity in Every Policy

Our philosophy is simple: if we wouldn’t buy it ourselves, we won’t sell it. This ethos ensures every policy we offer is built on a foundation of trust and reliability, reflecting our commitment to honest and transparent insurance solutions.

Class of Business

Icon  Preschools and Nursery Schools
Provide early childhood education and care for children typically between the ages of 2 to 5 years old, preparing them for kindergarten and beyond.
IconElementary Schools:
Offer primary education to students in grades kindergarten through fifth or sixth grade, focusing on foundational skills in subjects like reading, math, science, and social studies.
IconMiddle Schools or Junior High Schools:
Serve students in grades sixth through eighth or seventh through ninth, bridging the gap between elementary and high school by providing a transition period with more specialized subjects and extracurricular activities.
IconHigh Schools:
Provide secondary education to students typically in grades ninth through twelfth, offering a comprehensive curriculum that prepares students for college, careers, or other post-secondary opportunities.
IconOnline Schools and Distance Learning Programs:
Provide educational opportunities entirely or primarily through online platforms, offering flexibility for students to learn remotely and access courses from anywhere with an internet connection.
IconPrivate Schools:
Independent educational institutions that may offer primary, secondary, or post-secondary education and operate independently of government funding. Private schools often have specialized curricula, smaller class sizes, and unique educational philosophies.
IconCharter Schools:
Publicly funded schools that operate independently of traditional school districts and have more flexibility in their educational approaches, governance, and curriculum design. Charter schools often focus on specific themes or academic models.
IconMontessori Schools:
Follow the educational approach developed by Dr. Maria Montessori, emphasizing hands-on, self-directed learning, mixed-age classrooms, and individualized instruction.
IconSpecial Education Schools:
Cater to students with special needs, providing tailored educational programs, therapies, and support services to address a wide range of learning disabilities, developmental delays, or other challenges.
IconInternational Schools:
Serve a diverse student body from various cultural backgrounds and often follow international curricula such as the International Baccalaureate (IB) or Cambridge Assessment International Education (CAIE).
IconTechnical and Vocational Schools:
Offer specialized training programs and certifications in skilled trades, technical fields, or vocational occupations such as automotive repair, cosmetology, culinary arts, or healthcare.
IconCommunity Colleges:
Provide two-year associate degree programs, vocational training, workforce development, and continuing education courses to prepare students for entry-level careers or transfer to four-year universities.
IconUniversities and Colleges:
Offer undergraduate and graduate degree programs across various academic disciplines, research opportunities, professional schools, and extracurricular activities.
IconAdult Education Centers:
Offer continuing education, adult literacy programs, English language classes, workforce training, and other educational services tailored to adult learners’ needs and goals.

Common Policies Needed

These insurance coverages help mitigate risks and protect education facilities against financial losses resulting from accidents, lawsuits, or unforeseen events. Schools should work with experienced insurance professionals to assess their specific risks and tailor insurance programs to their unique needs. Here are some common types of insurance coverage for education facilities:

General Liability Insurance

Provides coverage for bodily injury and property damage claims arising from accidents or incidents that occur on school premises. This includes slip-and-fall accidents, injuries during school activities, or damage to third-party property.

Commercial Auto Insurance

Covers vehicles owned or used by the school for business purposes, such as school buses, vans, or cars used for transportation of students, faculty, or staff.

Event Liability Insurance

Covers liability risks associated with special events hosted or sponsored by the school, such as fundraisers, performances, or community gatherings.

Cyber Liability Insurance

Covers losses resulting from data breaches, cyberattacks, or other cyber incidents that compromise sensitive information stored or transmitted by the school’s computer systems. This coverage is increasingly important as schools rely more on technology for administrative and educational purposes.

Professional Liability Insurance (Errors and Omissions)

Provides coverage for claims alleging errors or omissions in the repair work or advice provided by the shop. This coverage is especially important for addressing potential disputes with customers over the quality of repairs.

Workers' Compensation Insurance

Provides coverage for medical expenses, lost wages, and disability benefits for employees who are injured or become ill while performing their job duties at the school.

Property Insurance

Covers damage or loss to the school’s buildings, equipment, furniture, and other physical assets due to perils such as fire, vandalism, theft, or natural disasters.

Active Shooter

Active shooter insurance for schools, also known as active assailant insurance or school violence insurance, is a specialized type of insurance coverage designed to protect educational institutions against the financial consequences of violent incidents on campus, including shootings, acts of terrorism, or other mass casualty events. This insurance provides coverage for a range of expenses associated with an active shooter incident, including medical costs, counseling services, property damage, business interruption, and legal liabilities.

Employment Practices Liability Insurance (EPLI)

Covers claims related to employment practices such as discrimination, harassment, wrongful termination, or violation of employment laws. This insurance protects the school against lawsuits filed by employees or former employees.

Educators' Legal Liability Insurance

Protects against claims of professional negligence, errors, or omissions in educational services provided by teachers, administrators, or other school staff.

Directors and Officers (D&O) Insurance

Protects the school’s directors, officers, and board members from personal liability for decisions made in their official capacities. D&O insurance covers legal expenses and damages arising from lawsuits alleging mismanagement or negligence.

Abuse and Molestation Insurance

Protects the school against claims of physical, sexual, or emotional abuse or molestation by employees, volunteers, or other individuals associated with the school. This coverage is crucial for ensuring the safety and well-being of students.

Umbrella Liability Insurance

Provides additional liability coverage that goes beyond the limits of primary liability policies. Umbrella insurance offers an extra layer of protection against large or catastrophic claims.

Student Accident Insurance

Provides coverage for medical expenses and accidental death or dismemberment benefits for students who are injured or killed while participating in school-sponsored activities, such as sports events, field trips, or extracurricular programs.

Get a Quote

Ready to accelerate your business’s security and success? Contact Millward Agency today for a personalized insurance quote. Our team of experts is here to guide you through the process with ease and confidence, ensuring your business is covered, no matter what lies on the road ahead.

The Millward Agency, Inc. Testimonials

Hear from our clients who have achieved stability and growth with The Millward Agency’s insurance solutions. Our case studies demonstrate our commitment to providing unparalleled support and protection, proving that no challenge is too big when you have the right insurance partner.

Kurtis ThorntonKurtis Thornton
18:38 16 Jan 22
Very helpful and nice people, a great place to get your insurance needs taken care of.
Christopher LymanChristopher Lyman
14:48 26 Oct 19
Finally, I don't need to ever look for another insurance agent. The Millward Agency handles my personal and business insurance. Always helpful with my questions and quick to respond to my emergencies. The Millward Agency Rocks!
Markusz SudozMarkusz Sudoz
19:03 19 Jul 19
Every time I go to my broker, Ed Caceres @ the Millward Agency, he always finds me the best insurance rates on my real estate properties. Ed is great, always extremely responsive and understanding of the industry. In the past I would go do my own insurance shopping and spend hours on hours to get the best rate, now I do not even bother shopping around I just call Ed and he always has the best pricing. In the beginning I got a quote from Ed then shopped around, now I have learned to not even waste my time. Ed @ Millward Always saves me hundreds of dollars. 110% on customer service, 100% on pricing!!! A+++
Mobility SolutionsMobility Solutions
19:09 25 Jul 18
Everybody!!!!! is Great to work with when ever I need anything which is almost monthly.Linda
carlene klebecarlene klebe
20:01 22 Jun 18
My former insurance agent and friend recommended Ed Caceres of Millward Agency. Within hours of having given Ed a call, I had quotes and was decided to go with his carrier. He was professional and answered all my questions. I’m happy to have done business with Ed and Millward Agency.
John CourtneyJohn Courtney
16:20 11 Jun 18
Business or Personal this is who you want - Personal service from their Team is amazing, treat as though you are their only client.* Business - Review policy/coverage every year. Not limited to one or two insurance providers. Recommend changes, not necessarily to save money (although it is available) provide additional coverage. Three months later our additional coverage cost $150 on a $15000 claim. For years we were not covered! They are not limited to one or two insurance providers as our previous agent.* Personal - couple of claims were handled like we were their only client. They bundled coverage in such a way to save $2100 a year for a family of four and kids in college.***Will continue to recommend to business colleagues, friends and family***
Karen CarterKaren Carter
16:01 08 Jun 18
Our company has been working with Millward Agency for many years.They have been the best insurance company I have ever worked with.The staff is always very informative and very professional. Our insurance needs which include general, auto and worker's comp are very complex. Millward is able to handle and update all of our needs at any time of the year. I really like the fact they get back to you very quickly! They are very knowledgeable and caring we never think of going elsewhere. We will definitely be customers for years to come. Thank you Millward Agency!
Chad StottChad Stott
17:56 07 Jun 18
Wade and the Millward team have been consistently reliable, prompt, knowledgeable and a pleasure to work with. Wade and his crew have guided us through our ever growing needs and we attribute our success to the partnerships we have forged with organizations like The Millward Agency. We look forward to many more years working together.