As the number of American students studying overseas increases, it will be difficult for colleges to establish or find enough adequate programs with challenging curricula. Students desire ever more remote locations, and colleges are being pushed to support the extremely adventurous. With more students studying abroad, and amid heightened fears about terrorism and political conflicts around the world, some colleges are going to extreme lengths to protect against risks. Some try to limit their liability by signing up with companies that provide rescue services as well as insurance. The number of insurance claims involving study-abroad programs is quite small. United Educators, which insures almost 900 colleges and universities, processed fewer than 100 claims over a 10-year period ending in 2004. More than one-third of the claims involved sexual assault, sexual harassment, and other sexually threatening behavior, a key concern because two-thirds of all American students traveling overseas are women. Tips from risk managers and insurance companies for colleges and universities to protect themselves from costly claims and lawsuits in study-abroad programs are presented.