At GMG Insurance, we know how important education is in the lives of the families and communities we serve. With so many of our clients having kids in schools and colleges, understanding the various risks associated with student life is crucial. The university years provide new opportunities, experiences, and excitement for millions of students annually, but they can also bring unique challenges and risks that both students and parents need to be aware of.
In a recent article by Chubb, the risks associated with student life were outlined and can be summarized into several key categories:
- Student Accidents – Activities like sports, field trips, labs, and even living in student accommodation can expose students to potential accidents. These incidents may result in schools being held liable for injuries or needing to defend against related claims. As a parent, you may want to review your insurance policies, and employer’s benefits, to ensure you have enough coverage to protect your family from the financial burdens of a child’s accidental injury or mishap.
- Student Health – With the current environment and the lingering risks of COVID-19, schools have had to implement rigorous health and safety measures. However, the responsibility also falls on students to adhere to hygiene protocols in their living quarters and canteens. You should remind your child about proper hygiene habits, especially while living in close quarters.
- Mental Health Support – The mental well-being of students is a growing concern, especially with the increased stress brought on by the pandemic. Schools are working to provide mental health support and emergency services, but you should also check in with your child, and foster an environment that encourages open communication. Remind your child of the school resources available to assist them with mental health and well-being.
- Study Abroad Risks – If your child has an opportunity to study abroad, it’s an exciting time but also one filled with additional risks related to health and security. Schools usually put safeguards in place, but it’s wise to have a comprehensive travel insurance package that covers unforeseen circumstances during foreign travel.
What Can You Do As a Parent?
As someone invested in your family’s security and well-being, here are a few final reminders about minimizing your family’s exposure to these risks:
- Educate Your Children: Talk to them about the importance of personal responsibility and adherence to safety protocols.
- Invest in Insurance: Consider accident, health, and travel insurance that matches your child’s educational journey.
- Stay Informed: Keep up with school guidelines and policies regarding safety, health, and well-being.
- Provide Emotional Support: Encourage open dialogue with your children about their feelings and concerns, and stay engaged in their academic life.
Conclusion
The university experience is filled with growth, discovery, and excitement for your child, but it also comes with its share of risks. By recognizing and understanding these risks, you can take proactive steps to protect and support your children.
The GMG team is here to help navigate these complexities with your family through education and insurance placement tailored to your family’s unique needs. Together, we can make this exciting chapter in your child’s life as safe and rewarding as possible. Feel free to reach out to discuss the best strategies for your family’s unique situation.
Stay safe, and here’s to a successful and fulfilling academic year for your children!
