Coverages Available


WRM America offers a complete program of Property and Casualty coverages to help you better manage the unique risks schools face.

Commercial General Liability (occurrence based coverage including:)
  • Sexual Abuse and Molestation specified liability coverage
  • World Wide Coverage Territory
  • Athletics Coverage
  • Corporal Punishment Coverage
  • Broad Definition of Insured to include:
    • School Entity
    • Volunteers
    • Board Members
    • Employees
    • Trustees
    • Staff Nurses
    • Security Guards
    • Armed and Unarmed Police
    • Personal and Advertising injury
    • Host Liquor Liability
    • Incidental Malpractice Liability
    • Employee Benefits Liability
    • Defense Costs Outside of Limit

Educators Legal Liability claims-made wrongful acts coverage including:
  • Employment Practices Liability
  • Defense Costs Independent of Limits
  • Trustees, Board Members, Student Teachers, Volunteers and Volunteer Boards included in the definition of an “insured”

Excess Catastrophe Liability
  • The EXL policy provides following form coverage in excess of an educational institution’s primary casualty limits.

 Property


Comprehensive coverage on a special cause of loss basis, including:
  • Blanket Building and Contents Coverage
  • Agreed value and waiver of co-insurance clause
  • Business Income and Extra Expense Coverage
  • Ordinance or Law Coverage
  • Flood and Earthquake
  • Property Enhancement Endorsement
Inland Marine and Equipment Floaters
  • Computer equipment
  • Mobile equipment
  • Musical instruments
  • Athletic equipment and uniforms
  • Fine arts
  • Library collections
Equipment Breakdown Coverage
Boiler & Machinery
  • Property Damage
  • Loss of income and Extra Expense
  • Spoilage
Commercial Automobile Liability and Physical Damage
  • Owned Autos
  • Non-owned Autos
  • Leased Autos
  • Hired Autos

Crime, Fidelity and Fiduciary Liability


International
  • Commercial General Liability
  • Commercial Auto Liability (including Hired and Non-Owned Physical Damage)
  • Business Travel and Accident/Foreign WC
  • Commercial Property and Business Income
  • Executive Assistance Services
  • Kidnap & Extortion
Academic Security Rick Management
  • Acts of violence against students or personnel
  • Threats of damage to property
  • Disappearance of student or faculty from campus-sponsored event or while on study-abroad programs
  • Sudden political instability overseas
  • Extortion threats
  • Hijacking
  • Express Kidnap or Kidnap for Ransom
  • Hostage Taking or Detention
  • Abduction of Infant or Child from Hospital or Daycare Center