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Learning Centers provide educational courses to the public outside of or as supplements to traditional schooling. They may provide additional education to children in school, such as tutorial centers, or they may offer community education courses, such as art or fitness, that are open to the public. Some foundations, organizations and places of worship have learning centers for the purposes of educating their members about their particular cause.

General Liability Insurance for Learning Centers – A premises liability exposure exists due to the number of students who attend the learning center. Slip/trip/fall hazards should be reduced by maintaining the grounds and ensuring sidewalks, parking lots, and other outdoor walk areas are safe. Stairs should be constructed to code, have sturdy handrails and skid resistant surfaces. Indoor flooring should remain clean and free of defects. Desks and other furniture used by the students and visitors should be sturdy and in good condition to prevent injury. All furniture should be adequately spaced for easy passage.

Workers’ Compensation Insurance for Learning Centers – Learning center employees 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. Furniture and shelving should be sturdy in order to prevent employee injury.

Property Insurance for Learning Centers – The age and construction type of the learning center will impact the risk of fire. Buildings over 20 years old should be updated with new wiring and electrical systems. The severity potential for fire will be reduced if the buildings are constructed from fire restive and masonry non-combustible materials. Heating and air conditioning systems should be safely located at learning centers and properly maintained. The fire loads will consist of furniture, books, and paper materials. Daily trash removal will help reduce the fire load.

Crime Insurance for Learning Centers – Crime exposures for learning centers could result from dishonest employees by the bookkeeping staff, for example. Employees who handle the tuition payments should not be authorized to make bank deposits or withdrawals. Internal financial audits should be performed often to prevent employee dishonesty.