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Genesis is committed to the higher education alternative market, providing insurance or reinsurance for group or single member accounts.

The College and University Policy is an insurance product developed by Genesis specifically for the higher education sector. The policy provides a package of comprehensive coverages tailored to the liability risks facing colleges and universities every day.

Genesis seeks public and private colleges and universities:

  • With a strong commitment to loss control
  • Willing to retain a self-insured retention
  • That value unsurpassed security: AA+ by Standard & Poor’s and A++ by A.M. Best

We offer one easy-to-follow policy and underwriters with proven expertise in working with schools, colleges, universities and public sector accounts.


Coverage Part A: General Liability, Auto Liability, Employers Liability

  • SIR applies to for all coverages under Part A (Basket Retention) that apply to a single occurrence
  • Excess Auto Liability coverage for insureds who qualify for automobile self-insurance
  • Campus security activities
  • Non-Employment Harassment including sexual molestation on a per perpetrator basis
  • Advertising infringement of copyright, trademark, trade dress, service mark, or slogan
  • Garage Keepers Legal Liability coverage
  • Incidental Medical Malpractice (claims-made), including nurses, paramedics, EMTs, athletic trainers, and coaches
  • Punitive damages (where permitted by law)
  • Mutual aid
  • Liquor liability
  • Riot and civil commotion
  • Athletic participants
  • Fellow employee coverages (AL & GL)

Coverage Part B—Educators’ Legal Liability

  • Coverage provided on a claims-made basis
  • Employment-related practices including front and back pay
  • Employee harassment including sexual molestation
  • Employee benefits liability

Punitive damages (where permitted by law)


We offer one easy-to-follow policy and underwriters with proven expertise in working with schools, colleges, universities and public sector accounts.

The Named Insured includes:

  • Employed, appointed and elected school officials
  • Current and former employees
  • Student body organizations
  • Students while acting as teaching assistants

Other Features:

  • Clear intent and simplified language
  • Limits apply separately to each coverage part
  • Rating tailored to various types of educational institutions (community and junior college, trade colleges, etc.)
  • The right to choose your own defense counsel

Educators’ Legal Liability claims will not be settled without the Named Insured’s consent.


Risk                          Individual Risk College / University

Lines of Business     AL, GL, LEL, Prof

Limit:                         $10M xs $2M

Feature                      Excess above a captive

Premium                    $275,000



Genesis has dedicated claim professionals with the skills and expertise to help resolve losses efficiently and issue claim payments promptly.  We back our claim paying ability with superior financial security.



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