Education Solutions

We provide comprehensive insurance services for the education sector. Currently we serve more than 800 schools, from large public universities to small private colleges and everything in between. We offer personalized and cost-effective solutions—including custom technology and value-added administrative support—for domestic and international student health plans, intercollegiate athletics, and cultural exchange programs. We also offer faculty and staff benefits programs and coverage for recreational sports and other events.

We provide comprehensive insurance services for the education sector. Currently we serve more than 800 schools, from large public universities to small private colleges and everything in between. We offer personalized and cost-effective solutions—including custom technology and value-added administrative support—for domestic and international student health plans, intercollegiate athletics, and cultural exchange programs. We also offer faculty and staff benefits programs and coverage for recreational sports and other events.

Student Health Plans

Head-to-Toe Coverage for Students

While tuition and healthcare costs are rising, affordability is essential. We can help you create comprehensive insurance plans that address the increasingly complex needs of your students, whether they are local or international students studying in the U.S or abroad. We’ll help your students receive the coverage they need at a price they can afford and offer additional services such as waiver administration and simple online enrollment. For international students, our plans meet or exceed all U.S. visa requirements, including SEVIS, and our study-abroad plans are accepted by virtually any foreign agency. If you prefer a voluntary student health plan for your international students, we offer short-term accident and sickness medical plans through our product International Student Protection.

We’ll work closely with our underwriter partners to bring you tailored programs that include any, if not all, of the following:

  • Domestic student health
  • International student medical (required or voluntary)
  • Study abroad
  • Accident-on-campus
  • Repatriation & medical evacuation
  • Supplemental vision, dental, AD&D

To learn more about our student-health services, please visit our website 4studenthealth.com.

To learn more about our voluntary short-term accident and sickness medical plans for international students and scholars, visit our website intlstudentprotection.com.

Intercollegiate Student Athletics

A Track Record of Performance

To best serve the insurance and risk-management requirements of our accounts, we are trained to analyze and discuss your athletic-insurance needs, offer claims review and problem-solving advice, and work with you to initiate or improve risk-management techniques. Our flexible plans are designed for all types of athletic programs, for any campus, from small private colleges to large state universities.

We offer the following plan types:

  • Fully insured plan
  • Aggregate deductible plan
  • Catastrophic injury
  • Primary student athletic accident plan
  • “Gap” insurance

To learn more about our comprehensive intercollegiate-sports programs, please visit our website 4studentathletes.com.

Cultural Exchange Health Plans

Comprehensive Protection for Cultural Exchange and Language Travel

We’re here to help make sure the health insurance plan you provide or offer to your exchange program addresses the increasingly complex needs of your participants, whether they are here for just a few weeks or a couple of years. Our plans meet or exceed U.S. visa requirements, and our outbound plans are accepted by virtually all foreign agencies.

Our in-house TPA services, claims handling, and technology solutions are designed to make your plan administration as simple as possible. By acting in the capacity of both broker and TPA services provider, we are here for our partners and participants every step of the way.

We’ll work closely with our underwriter partners to bring you tailored programs that include any, if not all, of the following:

  • Cultural exchange health
  • Accident and sickness benefits
  • Medical emergency evacuation and repatriation
  • Emergency dental
  • Trip delay/cancellation
  • Baggage loss/delay
  • Personal liability
  • 24/7 emergency assistance

To learn more about our exchange health services, please click here.

Faculty and Staff Benefits

Best-in-Class Practices for Faculty and Staff

You invest a lot in your faculty and staff. We invest the time and resources necessary for the best possible return on your school’s benefits packages. As a recognized national leader in developing and supporting innovative employee-benefits programs, we provide the comprehensive compliance, administrative
communications, and analytical support that makes sense for you. Our solutions go above and beyond the traditional cost-cutting strategies that reduce expenses; we also aim to improve the productivity, health, and satisfaction of your employees.

For a more in-depth overview of our employee-benefits practice, click here.

Risk Management Solutions

National Resources, Local Expertise

We know you face complex and unique exposures on campus. We offer expertise and resources to bring you highly specialized coverage, while also offering management and loss-control solutions to lower your costs. Our approach is centered around providing flexible solutions that achieve your specific goals. We’re a knowledgeable partner who can identify and implement strategies that can reduce your risk, lower your premiums, and, should a disaster occur, create a plan that gets everyone back to school as quickly and efficiently as possible. We write commercial insurance policies for all types of campus buildings and structures and partner with several “A”-rated carriers to provide specialized coverage to educational institutions.

These policies may include the following:

  • Blanket accident policies
  • E&O policies
  • General liability insurance
  • Risk financing
  • Captive programs
  • Guaranteed cost
  • Aggregated purchasing
  • Large deductible
  • Self-insured retention
  • Retrospective rating plans
  • Loss control and safety issues
  • Directors’ & officers’ liability
  • Employment practices liability
  • Educators’ professional liability
  • Property
  • Automobile
  • Cyber liability
  • Workers’ compensation
  • Foreign package
  • Umbrella

Amateur Sports and Recreational Programs

Recreational Sports and More

We developed a variety of products and services customized for amateur sports and youth programs, including sports camps and tournaments or events of all sizes across the country.

We offer the following coverages:

  • Third-party commercial general liability
  • Participant legal liability
  • Participant accident medical
  • Catastrophic medical (if needed)
  • Ancillary coverages (e.g., property, workers’ compensation, etc.)

To learn more about our comprehensive programs and the specific customer groups we serve, please visit our website
4recsportsandmore.com.

Third-Party Administration Services

With many plans we place, we offer full-service in-house claims processing. Our claims department works closely with our account-management teams to understand the specifics of each plan and gain a thorough understanding of how each claim should be adjudicated. Claims customer-service team members are available to answer questions about benefits and coverage and provide claims’ statuses. More than 98% of our calls to our claims team are answered in 30 seconds or fewer, and 95% of claims are processed within 14 business days.

Michael Babore

Executive Vice President

(310) 566-2061   

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