INDUSTRIES
A school carries a different kind of risk than most businesses — the people you’re responsible for are children, the trust you’re protecting took years to build, and one uncovered incident can undo both. We build insurance programs for schools and education organizations around student safety, staff, and campus operations.
This is one of the most significant and specific risks a school carries, and it requires coverage most standard liability policies don't fully address.
Classrooms, playgrounds, athletic facilities, and buses all create exposure to injury claims that go beyond typical general liability.
Schools hold sensitive student and family data protected under FERPA and similar regulations, making them a real target for cyber incidents.
Hiring, discipline, tenure disputes, and staff terminations carry real legal exposure in an environment with strict procedural expectations.
Campus buildings, athletic facilities, and equipment represent significant, often aging, capital investment.
Decisions made by a school board or leadership team can expose the individuals making them personally, separate from the institution itself.
Loop us in before you finalize it — background-check and supervision requirements often affect how it’s covered.
Our advisors know the realities of running a school — student safety protocols, staffing cycles, and board governance — so recommendations are grounded in how education actually works.
Abuse liability, board exposure, and employment practices get the same attention as property and general liability, because that's where a school's real risk often lives.
When something happens, we advocate for you through the entire claims process — not just at renewal.
From a single independent school to a multi-campus district, we tailor coverage to where your organization is today and where it's headed.
1
We learn your campus, your programs, your governance structure, and your current coverage and claims history.
2
We identify gaps — supervision protocols, volunteer screening, cyber exposure — before they become a problem for a student, a staff member, or the board.
3
We place your program with carriers who understand education risk, balancing coverage, service, and cost.
4
We review your program as enrollment, programs, and staffing change, support you through claims, and help you stay ahead of compliance requirements.
Most schools need general liability, abuse and molestation liability, property, workers’ compensation, and D&O coverage for the board at minimum. What else you need depends on your programs — athletics, transportation, and off-campus activities each add exposure that’s worth reviewing specifically.
Standard general liability policies typically exclude or sharply limit coverage for abuse claims, so schools need a dedicated policy or endorsement to actually respond to this exposure. Given the population schools serve, this is one of the most important coverage lines on the page, not an optional add-on.
Yes — board members make governance decisions around budgets, personnel, and policy that can expose them personally to claims, separate from any coverage protecting the school’s property or general operations. A D&O policy protects the individuals serving on the board.
Schools hold the kind of sensitive student and family information — academic records, health information, sometimes financial aid data — that makes them a genuine target for a breach. Cyber liability covers the notification costs, investigation, and liability that follow an incident involving that data.
Often, yes, or at minimum these need to be specifically accounted for on your existing policies. Volunteer supervision and off-campus activities are common gaps we find when reviewing a school’s coverage, since standard policies aren’t always written with these activities in mind.
You contact us first — we help you document the incident correctly, get the claim filed with the right carrier, and stay involved as your advocate through investigation and resolution, not just at the point of filing.
