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School Insurance Coverage Options

Schools have a lot of risks, which means that they require many types of coverage to protect themselves.


Data Breach, Privacy and Cyber Liability Coverages

General Liability Coverages

  • Corporal punishment at policy limits
  • Teachers included as additional insured
  • Expanded definition of bodily injury
  • Limits starting at $1,000,000/$2,000,000 and excess liability coverages available up to $50,000,000

  Educators Legal Liability Coverages 

  • Limits up to $1,000,000/$2,000,000 available
  • Claims made basis

 Sexual Abuse Liability Coverages

  • Abuse coverage with defense outside the limits
  • Separate insuring agreement 
  • Limits up to $1,000,000/$3,000,000
  • Coverage for employees & volunteers included

Property Coverages

  • Custom enhancements available
  • Business income
  • Ordinance or law
  • Money & securities
  • Spoilage
  • Employee theft
  • Equipment breakdown
  • …and more

Auto Liability Coverages

  • Automatic liability coverage for leased autos
  • Fellow employee coverage from covered autos (liability) 
  • Rental reimbursement
  • No deductible for glass repair 
  • Up to $1,000,000 CSL available 

Other Coverages Available

  • Student accident coverage
  • Umbrella 
  • Tuition Reimbursement
  • Workers Compensation: available in most states

Request a quote for insurance

The following types of schools require the paper application:

  • K-12 
  • Charter
  • Business
  • Computer training
  • Continuing education
  • Correspondence
  • Crafts
  • Head Star
  • Montessori
  • Professional development
  • Public Speaking
  • Trade Schools
  • Vocational Schools

These schools can apply online (of course, you can always complete the paper application, if you prefer it):

  • Barber School
  • Beauty School
  • Culinary School
  • Fine arts School
  • Language