A system and method for providing educational content and testing over the internet in order to teach students (e.g., college students) safe, responsible attitudes, values, and behaviors that will lower incidents leading to liability, and hence lower liability insurance for entities, including schools, attended by such students. Software modules provide the educational materials and testing materials as well as data mining techniques to determine which member attributes of that entity, or groups of member attributes, are statistically likely to be at risk for a liability situation or are in danger of harmful activity. The data mining combined with statistical analysis also enables the entity to ensure that students with certain attributes receive customized content addressed to the student's particular issues and provides for follow-up to verify that the students indeed learn the customized content. For example, the learning materials may relate to student safety and/or sociological and/or psychometric risk factors of the students.