Everything a business faces, plus several hundred children.
Cover for private, charter and independent schools — abuse and molestation, board and educators liability, student transport, athletics and the property itself.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What private school businesses actually need.
Abuse and molestation
Allegations against staff, coaches, volunteers and contractors.
Without it — The defining exposure of any organization caring for children.
Educators legal liability
Claims over discipline, expulsion, special-education obligations and admissions.
Without it — These are professional and governance claims, not premises ones.
Directors and officers
Board decisions on finances, tuition, closures and employment.
Without it — Independent school boards are volunteers making consequential decisions.
Student transport
Buses, vans and staff cars used for trips and athletics.
Without it — Transporting children is the highest-severity thing a school does.
Student accident and athletics
No-fault medical cover for injuries, including sports.
Without it — A no-fault payment frequently prevents a claim becoming a lawsuit.
Property and business income
Buildings, contents, technology, and tuition income if you cannot open.
Without it — A closure between enrollment cycles is a whole year of revenue.
What private school operators ask us.
What is educators legal liability and why is it separate?
It answers claims arising from the EDUCATIONAL relationship rather than from the premises — a disputed expulsion, a failure to provide required special-education services, an admissions or accommodation decision, a grading or transcript dispute. General liability covers a child injured in the corridor; it says nothing about a family suing over how their child was treated academically or disciplinarily. Those are the claims independent schools actually get, and they need the professional form.
How is athletics handled?
As a distinct exposure that underwriters price separately, and contact sports most of all. Expect questions about which sports you offer, whether coaches are certified, concussion protocols, whether an athletic trainer is present, and how facilities are maintained. Student accident cover is worth carrying alongside liability: it pays medical costs regardless of fault, which resolves most sports injuries before anyone considers a lawyer.
Does anything change for a charter school?
The governance and the requirements do. A charter authorizer typically imposes specific insurance obligations — limits, cover types and evidence — as a condition of the charter, and the board carries public-body-like exposures alongside the ordinary ones. Send the authorizer’s requirements schedule when you ask us to market it; those terms are non-negotiable and it is easier to build the program around them than to retrofit it.
Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.