As the situation around the COVID-19 pandemic continues to evolve, our team at Gallagher College Student Insurance is continuously monitoring its effects on student life.  We want our clients to know that during these uncertain times, we are here to serve you with the same great customer service to which you are accustomed.  College Student Insurance policyholders should keep the following in mind:

  1. If you are a personal property policyholder, your coverage territory is worldwide.  If your campus is closing and cancelling classes or moving to remote learning, your policy will still cover your belongings while away from campus. 
  2. If you have a personal property claim, there may be updated procedures necessary around obtaining repair and replacement estimates resulting from community efforts around social distancing.  Please file your claims as usual through our website or call us at (888) 411-4911.  Our claims team will keep you informed and walk you through any deviations from standard procedure.
  3. If you are a personal property policyholder and are required to move insured belongings to a storage facility.  Please know your property will be covered under your policy’s same coverage terms so long as the storage facility is climate controlled and non-public access.
  4. If you are liability policyholder and you purchased coverage in order satisfy a lease insurance requirement, your obligation to carry liability insurance will likely continue even if you are not in residence for a period of time so long as your lease is active.  Please check with your landlord and review your lease for more detail.


Gallagher provides insurance, risk management and consultation services for our clients in response to both known and unknown risk exposures. When providing analysis and recommendations regarding potential insurance coverage, potential claims and/or operational strategy in response to national emergencies (including health crises), we do so from an insurance/risk management perspective, and offer broad information about risk mitigation, loss control strategy and potential claim exposures. We have prepared this commentary and other news alerts for general informational purposes only and the material is not intended to be, nor should it be interpreted as, legal or client-specific risk management advice. General insurance descriptions contained herein do not include complete insurance policy definitions, terms and/or conditions, and should not be relied on for coverage interpretation. The information may not include current governmental or insurance developments, is provided without knowledge of the individual recipient’s industry or specific business or coverage circumstances, and in no way reflects or promises to provide insurance coverage outcomes that only insurance carriers control.

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