Learning Centers provide educational courses to the public outside of or as supplements to traditional schooling. Whatever the focus of your education business, we offer custom-tailored Learning Center Insurance, including General Liability, Errors & Omissions, Property, Crime, Worker’ Comp, Business Auto and more.
Any business that invites customers and visitors on the premises can experience accidents resulting in injuries. The high number of students who attend the learning center increases its premises liability exposure. If children make up a large portion of the students, horseplay can often result in accidental injuries or property damage.
Employees of learning centers may be injured from tripping and falling if floors are not maintained and clutter free. Other concerns include shelving collapse, back injuries from carrying or lifting heavy books and teaching materials, and repetitive motion injuries.
The most prevalent threat to the property of a learning center is fire. Library, curriculum materials and student records are a higher risk if they are not inventoried, documented and stored off-site or digitally. Premises are always at risk of being damaged by severe weather, faulty plumbing or electrical wiring, or natural disasters such as earthquakes and tornados.
Every business is susceptible to deceitful employees and outside third parties. Bookkeepers can easily embezzle funds or access bank accounts with passwords, and employees often have access to clients’ personal information that can be used for fraudulent purposes.