To obtain the best student accident insurance coverage for the least cost, programs offered by various companies should be compared on the bases of coverage limits for specific injuries, injuries not covered or only partially covered, whether students are overinsured or underinsured, and premium costs. (MLF)

An institution's educators legal liability policy can provide very broad or limited protection to a college and employees. The college or university's insurance buyer or risk manager must understand the terms and conditions of the policies available and evaluate their specific application to the institution, giving coverage as much weight as costs…