Griffin Underwriting Services is pleased to announce that it has joined forces with RT Specialty effective January 3rd, 2023.

Specialty Educators, Trainers and Instructors

Offering monoline or package coverage of classroom-type instruction risks.

Product Features
  • No liability deductible
  • No designated premises endorsement
  • Special form available
  • Replacement cost available
  • Low minimum premium
  • Some markets offer free or discounted comprehensive background checks
  • Property limits up to $3 million and Liability up to $5 million
  • Optional coverages can include Money & Securities, Sign, and Equipment Breakdown Coverage
  • “Value Plus” Endorsement, a comprehensive coverage enhancement available with certain market
Eligible Risks
  • Art instruction
  • Athletic instruction
  • Bartending schools
  • Beauty schools
  • Boxing gym/Martial arts
  • Business/Secretarial/Paralegal
  • Charm/Modeling schools
  • Computer training
  • Cooking instruction
  • Craft/Hobby
  • Dance schools
  • Dressmaking classes
  • Drama/Theater training
  • Insurance training
  • Language instruction
  • Massage schools
  • Medical/Nursing classroom instruction
  • Music training
  • Personal trainers
  • Photography classes
  • Poker/Gambling schools
  • Public speaking
  • Reading instruction
  • Real estate training
  • SAT/LSAT courses
  • Tutoring services
  • Wine tasting schools
  • Driving school (submit application; premises liability only for classroom)
  • *No market for horse training or riding lessons

Claim Examples

General Liability:
A public speaking school student slipped and fell in the school’s restroom, resulting in a broken arm and sprained knee. The student filed a lawsuit against the school for pain and suffering, medical bills and rehabilitation expenses. The lawsuit was settled for $68,000 and $7,000 was paid in defense expenses.

A mother claimed that her child’s learning center failed to render professional tutoring services for the SATs; he is now unable to get into the college he wanted to attend. The parents brought a lawsuit against the school for the cost to hire a special tutor and a refund of their money paid to the learning center. The claim was for $10,000.

Abuse or Molestation:
A dance school student brought a lawsuit against the school alleging negligent hiring of an instructor who improperly touched her during a lesson. Attorneys were hired to defend the school. The case was dismissed after no negligence was found on the part of the school. Defense costs totaled $35,000.

A fire began at the insured’s computer instruction school when an employee plugged in the computers. The fire caused $80,000 in building damage along with $36,000 in damages to business personal property. While the damages were being repaired, the computer instruction school had to shut down for two months, resulting in a business income loss of $15,000 along with $10,000 in extra expenses to get the school up and running again. The entire loss came to $141,000 in damages and the claim was settled for the insured’s damages.

Equipment breakdown:
An on-premises power outage at a cooking school caused the freezer to shut down and the food in the freezer to spoil. An equipment breakdown claim was made for the $5,000 of spoiled food. In addition, the school had to shut down for several days resulting in an additional loss of income of $2,500. A claim was presented, and the insured was reimbursed for their loss.

Quoting & Applications

Log in to obtain applications, additional info, or quote online.
*Coverage may not be available for all accounts or in all states
*Applications will apply to most markets but in certain circumstances additional applications may be needed
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