Liabilities can threaten your school’s reputation and financial well-being, staff and student privacy, and even your valued research data. We’ve got you covered. We have school insurance solutions for various educational institutions, including:
- Charter schools
- Public schools
- Private nonprofit schools
- Private nonprofit colleges and universities
- Trade and vocational schools
We can access dozens of insurance companies to create an insurance strategy that suits your school’s needs.
Customize your coverage
Exposures involving school property, equipment, transportation, staff, students and personal property can cause you to lose sleep. Here’s a snapshot of some of the insurance solutions we can offer you:
- Abuse and molestation insurance protects against allegations of misconduct.
- Active assailant and workplace violence insurance covers damage from violent incidents. It can help cover the costs of increased security, business interruption, PR assistance, victim support and more.
- Auto insurance safeguards your fleet of vehicles and buses. Pro tip: Consider adding hired and nonowned auto coverage to protect staff and volunteers who drive their personal cars for school functions.
- Commercial property insurance helps rebuild your property after damage from fires, storms, vandalism and theft. We also offer add-ons for events that take you off premises. These can cover athletic equipment, musical instruments, theatrical sets and more.
- Cyber liability insurance helps you recover after a cyberattack. It can pay for data and network reconstruction, public relations, credit monitoring services and legislative fines.
- Employment practices liability insurance covers lawsuits brought by staff and volunteers. It covers claims like failure to hire or promote, wrongful termination, harassment and discrimination.
- Directors’ and officers’ liability insurance provides legal defense and settlement coverage if someone sues your board members for decisions they made or oversaw.
- Media liability insurance protects against lawsuits involving invasion of privacy, copyright infringement, defamation, plagiarism, emotional distress and harm from content shared.
- Professional liability insurance covers claims of negligence, wrongful education practices and failure to educate.
- Student accident insurance helps when students are injured while participating in school activities, like sports or field trips.
- Workers’ compensation insurance covers medical expenses and loss of income for employees injured at work.
International protection for global risks
For schools with global reach, consider international plans. Packages include foreign voluntary workers’ compensation coverage, general liability for school-sponsored international trips, kidnap and ransom, and repatriation for employees who get injured or sick abroad.
Trending liability: cyber
Cyber criminals are increasingly targeting schools. In 2022, hackers attacked a California school and published the mental health records of current and former students. And that wasn’t a one-off incident. According to cybersecurity provider Sophos, 80% of educational institutions experienced ransomware attacks in 2023. The mean cost for schools to recover from an attack was $1.82 million.
A written cyber incident response plan and cyber liability insurance are essential to your school’s risk management strategy.
Get a coverage review
Take the first step in securing your institution’s future. Contact us for a no-obligation coverage review. We understand the risks and budgetary constraints you face. As an independent agency, we work for you, not the insurance companies. Our number one priority is helping you protect the staff, students and community you serve.