School Insurance
Request a QuoteSchool insurance provides coverage so you can keep teaching.
Safeguard your school and the students you educate with school insurance.
Your school should consider specialized insurance coverage.
Schools can be a second home for the families they serve—protecting your place of learning is important. Having a specialized insurance policy in place for your school helps offer protection against the risks you face.
What insurance coverage does your school need?
Schools need insurance for obvious things, such as the building, the desks, and the educational equipment. Beyond that, schools also need to insure their faculty and staff, their reputation, and their ability to continue to educate students. Business insurance isn’t one size fits all, and when it comes to educational facilities and schools, insuring them goes beyond traditional business policies. Here are some examples of what a specialized school insurance policy may cover:
- Business Auto
- Commercial Property
- General Liability
- Commercial Umbrella
- Workers’ Compensation
Help keep your school up and running with insurance.
There are many types of risks that are unique to schools, and therefore require coverage that’s designed to cover those risks. For example, if something should happen to the school’s building and classes cannot be held, an alternative location may need to be secured so learning can continue. School insurance coverage may provide coverage for managing these interruptions to get classes back up and running as quickly as possible.
Protecting your school from potential lawsuits.
Schools must also insure against claims of discrimination, harassment, wrongful termination, and negligence. A lawsuit against the school and its officers, directors, board members, and faculty can be very costly to defend, potentially taking away vital resources from the classrooms. With general liability, employment practice liability, and workers’ compensation insurance, risks associated with your staff may be covered further.
Coverages associated with the educational industry.
While it might be strange to think about, operating a school is similar to operating a business, and therefore many of the same types of coverage options will also apply to your school. Don’t forget other general business insurance elements such as workers’ compensation, crisis response, employee dishonesty, and cyber liability insurance. These coverages may help prepare your school for the unexpected and has the ability to do what it does best.
Are you looking for school insurance to help protect your education facility? Contact us to go over the risks of your school, your coverage needs, and the options available to you.
Frequently Asked Questions - School Insurance
School insurance provides comprehensive coverage to safeguard educational institutions, including their properties, staff, and students. It helps mitigate the risks unique to schools, ensuring that education can continue uninterrupted.
Schools need specialized insurance coverage to address the unique risks they face, such as property damage, liability claims, and interruptions in educational services. This specialized coverage ensures that all aspects of the school environment are protected.
School insurance covers various properties including the school buildings, classrooms, educational equipment, and other assets essential for the operation of the school. This ensures that the physical infrastructure of the school is protected.
School insurance provides coverage for faculty and staff through policies like workers' compensation, general liability, and employment practice liability insurance. This protects against workplace injuries, legal claims, and other employment-related risks.
General liability insurance is crucial for schools as it protects against claims of bodily injury, property damage, and personal injury that may occur on school premises. This coverage helps schools manage potential lawsuits and legal expenses.
School insurance can include coverage for managing interruptions, such as securing alternative locations if the school building is damaged. This ensures that classes can continue without significant disruption, maintaining the continuity of education.
EPLI is important for schools because it protects against claims of discrimination, harassment, wrongful termination, and other employment-related issues. This coverage helps schools defend against costly lawsuits and protects their reputation.
Cyber liability insurance protects schools from data breaches, cyber-attacks, and other digital threats. This is essential for safeguarding sensitive information about students, staff, and the school's operations.
Business auto insurance provides coverage for vehicles owned or operated by the school, such as buses and maintenance vehicles. This ensures that the school is protected against accidents, damages, and liabilities associated with these vehicles.
To ensure adequate insurance coverage, a school should conduct a thorough risk assessment, consult with insurance professionals, and review their coverage options regularly. This helps identify potential gaps in coverage and ensures the school is prepared for unexpected events.