Insurance for private schools.

Property, general liability, educators legal liability, abuse coverage, and auto, for independent and faith-based schools from preschool through high school, including athletics and trips.

What private schools usually carry

Property and business income
General liability
Educators legal liability
Abuse and molestation coverage
Directors and officers
Commercial auto
Student accident medical
Workers’ comp

Watch for these in a private school policy

Educators legal liabilityGeneral liability does not cover claims over admissions, discipline, expulsion, or a student’s education. Educators legal liability does.
Abuse and molestationCarriers look closely at hiring checks, supervision rules, and reporting training. Claims can surface decades later, so keep every old policy on file.
AthleticsTackle football, wrestling, and other contact sports are often rated on their own, and some policies exclude them. List every sport you field.
Buses and vansMany carriers restrict 15-passenger vans or require trained drivers. Buses need commercial auto with limits that match the seats.
Trips abroadInternational trips may fall outside your coverage territory. Ask for foreign liability before students travel.

What landlords, lenders, and venues ask private schools for

Additional insuredHost churches, landlords, and athletic facilities you rent, on general liability.
MortgageeLenders and bond trustees want to be named on the building coverage, at full replacement cost.
UmbrellaAthletic venues and transportation contracts often ask for $5M or more above your primary limits.

Questions private schools ask

Straight answers.

The questions we hear most, answered plainly.

What does educators legal liability cover?

Claims that are not about injury: a family suing over an expulsion, an admissions decision, a grade dispute, or discrimination. It is errors and omissions for schools.

Do our teachers need their own insurance?

Usually not for their work at school. The school’s policies cover employees acting within their jobs. Some teachers add a personal educator policy through their professional group.

Are our trustees personally protected?

With directors and officers coverage, yes, for claims over board decisions. Many school packages combine it with educators legal liability.

Is our summer camp or a campus rental covered?

Your own camps can be added to your policy. Outside groups using your campus should carry their own liability and name the school.

How fast can I get a certificate?

Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.

Childcare and education

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

After-school programs

General liability, Abuse and molestation coverage, Accident medical for enrolled children

Daycares and childcare centers

General liability, Abuse and molestation coverage, Accident medical for enrolled children

Home daycares

Home daycare liability, Abuse and molestation coverage, Accident medical for enrolled children

Tutoring

Professional liability, General liability, Abuse and molestation coverage

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