The federal government is in a partial shutdown, and while essential functions are operating, certain areas such as national parks are completely closed. These events pose varied risks for businesses and a variety of insurance and other risk mitigation products may cover some losses.

Heres your first lesson: For the most part, the market for insurance cover for educational institutions is not wholly hardening. Rather, according to those who operate in it, the word that best describes the state of this market is stabilizing.

While both public and private educational institutions face many of the same types of claims, the climate is arguably more hazardous for private institutionswhich dont enjoy the liability protections afforded to government entities in many states.

How to market your agency after a catastrophe