These days, one of the greatest exposures for educational institutions involves not just enriching students' minds, but also keeping them intact.
Traumatic brain injuries are the top claim concern expressed by schools, whether elementary or high school, college or university, public or private. Even though the standard ISO CGL form contains an athletic participation exclusion, coverage can be triggered based on negligent supervision or training—and it can call the school's Professional Liability coverage into play as well.
“The concussion exposure has been around for years, but the current severity of claims is what is causing concern,” says Mark Turkalo, Marsh's national education and public entity placement leader. “Claims today reach the seven-digit level, so having access to excess capacity is even more important for brokers.”
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