Higher Education

Created to focus on covering the vast and unique risks of education institutions

The Cross Higher Education Practice operates to solely manage the risks associated with operating colleges and universities. The majority of our staff has over 20 years of experience in the field of insurance, claims, and risk management. This experience includes extensive knowledge of insurance market trends, proper reserving and claim handling practices, and evolving risk faced specifically by higher education. 

The Cross Higher Education Practice is nationally recognized as a leader in higher education Wrap-Ups and has implemented both single-project and rolling Owner Controlled Insurance Programs (OCIPs) for private and public institutions of all sizes. The Cross team has administered OCIPs on nearly 100 projects at numerous college and university campuses throughout the Northeast. Our involvement as risk management advisers in higher education affords us unparalleled experience in understanding the risks involved with campus construction and how it affects the day to day completion of each school’s institutional mission. This is why our Safety and OCIP Administrative teams have tailored our operational procedures to the needs of our client schools on projects of all occupancies, enabling your construction team to stay on task and complete its project on schedule. 

The ability to implement Owner Controlled Insurance Programs is not the only service of the Cross Higher Education Practice.  The Cross Higher Education Practice has created the innovative subset of Cross Insurance Educational Sustainability Risk Practice, which is concerned with the best long-term use of finite natural resources and the member school’s impact on the local, regional, and global environment.  The Sustainability Risk Practice identifies, implements, and evaluates approaches for increasing each member’s commitment to sustainability in all areas of the campus, including, but not limited to, construction, transportation, materials and energy use, waste management, purchasing, investment, and the campus curriculum.  The Cross Insurance Educational Sustainability Risk Practice has established unique coverage extensions for renewable energy mechanisms from a limited list of multi-national insurers and Lloyd’s of London syndicates, making it a practical and exceptional service for educational institutions looking to make a difference.

Cross Higher Education Practice also works in areas of Brokerage and Risk and Claims Management.


Expert Insurance Placement utilizing:

  • Market knowledge
  • Cost effective pricing approach
  • Proficient underwriting data submissions

Program Administration

  • In-depth review to insure accurate coverage
  • Recommendation based on client needs and benchmarking

Coverage Lines

  • Accident & Health
  • Casualty
  • Professional
  • Property
  • Specialty

Risk & Claims Management

Risk Management Information

  • Loss runs and summary analyses
  • Exposure summary from loss exposure audit checklist

Claim Reporting Procedures and Follow-up

  • Develop claim service specifications
  • Advocate for claim coverage
  • Audit of outstanding reserves of current and prior insurers

Loss Prevention

  • Coordinate on-site visits by insurer loss control specialists
  • Analyze and comment on insurer loss control recommendations
  • Assist in the design and implementation of loss prevention programs