Back to School, Back to Stress: Trauma Insurance for Educators and Students

Help protect the professionals who care for us.

Gone are the days when school was simply a place where teachers taught and students learned. Today, both sides of the classroom face mounting pressures that go far beyond the standard curricula. One of the most alarming? The growing presence of trauma.

Over two-thirds of children report experiencing at least one traumatic event by age 16, according to the Substance Abuse and Mental Health Services Administration (SAMHSA). And, sadly, it’s said that fourteen youth die from homicide every day, and more than 1,300 are treated for violence-related injuries.

As for educators, they’re not only absorbing their students’ trauma—approximately 92% of the school personnel in one research study reported some level of secondary traumatic stress—they may also be dealing with their own. Either at home, or right there in their workplace.

It goes without saying that anything we can do to protect our educators and future generations is not just important—it’s essential. And that’s exactly what American Trauma Insurance is here for: to provide meaningful, immediate support when trauma touches the lives of students, teachers, and school communities.

Our suite of trauma-related products offers more than just financial protection; it provides the tools and support needed to heal, recover, and carry on. They include:

1. Trauma Counseling

When trauma strikes—whether it’s violence, bullying, or secondary trauma—recovery begins with the right mental health support. ATI’s Trauma Counseling product covers a range of trauma-focused therapies designed to help students and educators process difficult events, rebuild a sense of safety, and move forward.

Trauma Counseling includes support after:

• Aggravated assault

• Sexual assault

• Mass shootings

• Terrorist acts

• Infection by disease

• Bullying, harassment, or threats

• Secondary trauma  

Therapies covered may include:

• Talk therapy (psychotherapy)

• Cognitive Processing Therapy

• EMDR (Eye Movement Desensitization and Reprocessing)

• Prolonged Exposure therapy

• Medication-assisted treatment

2. Trauma Coverage

Our comprehensive Trauma Coverage policy includes counseling in addition to a number of benefits that provide financial and practical support. Perhaps you're a student trying to return to class or an educator needing time away from the classroom to recover; either way, having this coverage in place can be life-changing.

Trauma Coverage includes support after:

• Aggravated assault

• Sexual assault

• Mass shootings

• Terrorist acts

• Accidental death

• Infected by disease 

Key benefits include:

• Trauma Counseling: Access to evidence-based therapies and treatment

• Recuperation Benefits: Reimbursement for out-of-pocket medical, dental, vision, or pharmacy expenses

• Lost Wage Benefits: 100% wage replacement without a waiting period

• Student Financial Assistance: $100/day for students who need time away from school (up to plan maximum)

• Accidental Death Benefit: A lump sum for your family in the event of a tragic loss

3. Workplace Violence Expense Insurance

For schools and districts, a violent incident on campus can lead to chaos, confusion, and unexpected costs. Our Workplace Violence Expense Insurance policy helps institutions recover by covering both immediate and long-term expenses related to crisis response and recovery.

Coverage includes:

• Crisis & Security Support: Fees for crisis consultants, security services, and public relations

• Employee Support: Pay for impacted staff, counseling, medical expenses, and occupational retraining

• Legal & Investigative Costs: Legal fees, stalking-related expenses, and litigation

• Optional Business Interruption: Protection for income lost due to school closures or disruptions

Trauma may be an unfortunately common part of today’s school experience—but it doesn’t have to derail anyone who crosses its path. And while ATI’s tailored insurance products can’t undo what happens, we can certainly help our school communities recover and move forward in their journeys.

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