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Our department specializes in working with private schools & education institions - including K-12, seconardary colleges, bible colleges, church-ran schools & daycares, camps & seminaries. Our lead risk advisor for schools, Luke Gibson, is an expert in insurance for schools, churches & nonprofits, as well as ordained and active pastor! Read below to learn more about him and his team and how they'll help your insitution stay properly insured while reducing costs & risks.
Hi, I'm Luke Gibson, of the Hummel Group, and I get where you're coming from. I'm not just an insurance agent & risk advisor for private schools and colleges, but also a parent and head varsity basketball coach of a local high school. I understand the important role teachers, coaches and mentors play in children's lives.
As education leaders, you're focused on one thing - protecting your students and helping them reach their full potential. I help you achieve that goal by ensuring your students, staff, property & reputation are protected, while avoiding education-derailing problems.
Each school has a different facility, unique obstacles, cultural objectives, and varying styles. That’s why I provide free risk assessments and offer custom risk management resources to my clients.
Our team provides insurance coverage, health benefits and and risk mitigation, so you can focus on what's really important - your students!
"If you simply want insurance you can find an agent almost anywhere. If you want a friend who is efficient, caring, and deeply committed to his clients, you want Luke Gibson at the Hummel Group. In a world of uncertainty, you can depend on Luke and his team to meet and exceed your highest expectations. They have consistently saved us money while enhancing our coverages. I cannot give them a higher recommendation!"
- Rodney S. Loper, President @ God's Bible School & College
Navigating important & complex issues like conceal-carry, corporal punishment & freedom of religion
Educators' Management Liability
Workers' compensation plans
Property & facilities protection
How to best handle donated gifts, vehicles & property
Traveling performance group risk & safety
Competitive group health insurance & benefits
Church & school security
Camp & mission trip safety
Since its inception, Hummel has been building its business on its uncompromising values of integrity, trust & hard work.
When it comes to education insurance, this means that your Hummel risk advisor is going to provide you with a custom-tailored plan that's best for your school or college, not our company. We're in the business of trust-building, not selling policies.
Claims Service You Can Count On.
If you need to submit a claim, you get one of our full-time claim specialists to advocate for you with the insurance company and support you through the entire process, step-by-step.
Property insurance can be placed in the hands of church valuation experts and falls under two categories:
Building Coverage – To insure church buildings, stained glass, pews, pipe organs and other covered property attached to the building.
Contents Coverage – To insure computers, musical and AV equipment, chairs, office equipment and covered property not attached to the building.
*Additional covered property typically includes: signs, retaining walls, lights, poles, and more.
General liability policies for schools are key to protecting both students and staff. With Hummel’s single contract general liability policy, you’re covered in case of injury, property damage or accidents on you premises and more.
Your school’s liability coverage should be supplemented according to your organization’s needs. We’ll work with you to create a unique plan for your protection.
Our Liability coverage includes but is not limited to the following:
- Educators Errors and Omissions
- Medical coverage
- Student Medical Coverage
- No-Fault Medical Coverage
- Lost wages
- Product Liability
- Parsonage Liability
- Special Event Coverage
- Lessors Risk
- Pastoral Counselling
- Employment Practices
- Employee Benefits
- Directors and Officers
- Mission Trip Coverage
Umbrella coverage, also known as "Excess Liability" is available in amounts from $1,000,000 to $10,000,000. Umbrella insurance pays on claims that go over your General Liability, Auto and other coverage limits.
Today schools are storing more and more personal information or both staff and students. With the growing use of online technology from message boards to social media, cyber security and crime coverage are becoming increasingly important.
At Hummel Group we offer a variety of coverage solutions to protect your organization against data breach, embezzlement, check fraud, cyber-crime and much more.
- Cyber Liability
- Employee Dishonesty/Fidelity Bond
- Forgery and Alterations
- Computer Fraud Coverage
- Money and Securities
Workers Compensation coverage protects employees and volunteers while serving the ministry for work related injuries. Workers compensation insurance is legally required in most states for any and all entities that hire employees. We have multiple options to provide solutions for your unique needs.
At Hummel Group we provide liability coverage for both staff and volunteer drivers. We also insure school-owned vehicles and hired auto services as well as:
- 12 and 15 Passenger Vans
- School and Tour Buses
- Private Passenger Vehicles
- Commercial Trucks
- Light Service Trucks
- Covered and Utility Trailers
For drivers who don't have a passenger endorsed CDL, we offer van-safety training videos and assessments so that all volunteers can participate in transportation ministries.
Streamline your insurance needs and enjoy having 1 point of contact for not only property and liability insurance, but also health and medical insurance for your employees. The team at Hummel can provide you with competitive group rates with top-rated health, dental & vision insurance providers.
If one of our employees uses their personal vehicle for something work related, and is involved in an accident, does our policy cover them? Does our policy cover us?
Your employee’s personal auto insurance policy should cover them personally. As a church or nonprofit, you need to make sure you have what’s called Hired/Non-Owned liability coverage endorsed to your policy. This covers your entity if you are also named in a lawsuit per it being your employee driving somewhere having to do with their employment with you.
A hold harmless is an agreement between two parties that obligates one party to protect another against certain risks of legal liability. For example, you may have an outside group that requests to rent a room in your building every Wednesday evening for a Yoga class. As the building owner, you might ask them to sign a hold harmless agreement so that if someone injures themselves during that class, you have a layer of protection from being sued. You would also want to consider requiring the Yoga instructor to carry their own insurance and list you as an additional insured on that policy.
If there is a sexual misconduct allegation within our organization, does our policy cover legal defense for that accusation and/or a possible settlement to that person awarded by a court?
General liability policies typically do not include this type of coverage. Therefore, it is important to discuss adding a sexual misconduct specific endorsement on to your policy.
Does our current general liability policy provide liability coverage for us if we serve wine at our annual fundraiser dinner?
Most commercial general liability policies include coverage for what’s referred to as “host liquor” liability. This would apply to policyholders that are not considered to be in the business of selling or serving alcohol. It would also be advisable to check with the city where the event is being held, along with the landlord who owns the building, in case they require you to have specific liquor liability coverage.
Luke & the Hummel Group team have church/non-profit clients throughout the US. We have physical offices in Ohio & Indiana, but are just as effective at helping clients not near one of our office locations. All of our paperwork and onboarding is done virtually, so although Luke operates out of the Newark, OH office, being close to an office is not necesary.
Luke is licensed in 18 states including, Alabama, California, Florida, Georgia, Idaho, Indiana, Kentucky, Maryland, Michigan, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and West Virginia. So if you're in one of those states, we can help find the perfect insurance solution for your church or nonprofit. Give us a call today!