Everything a business faces, plus several hundred children.
We cover private, charter and independent schools: abuse and molestation, board and educators liability, student transport, athletics, and the property itself.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What private school businesses actually need.
General liability
The campus, athletics, playgrounds and school events, plus injury to students, parents and visitors.
Without it — A site full of children with sports, equipment and daily public access.
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 coverage 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.
Group health and benefits
Medical, dental and vision for teaching and support staff, marketed each year rather than renewed on autopilot.
Without it — Independent schools compete with districts for teachers, and the district benefits package is the one you are measured against.
Businesses like this one, with their own page.
Every one of these is written for that specific operation — the coverages it needs, the questions underwriters ask it, and what it usually gets wrong.
- Teachers
A teacher is sued, investigated or disciplined as a person, not as a line item in the district's policy. The district's insurance defends the district and covers the teacher only while their interests line up, which is exactly when a complaint stops being routine: an allegation of excessive discipline, a student hurt on a field trip the teacher supervised, a parent claiming a grade or an accommodation was handled wrong, a licensing board hearing. A personal educator liability policy pays for the teacher's own lawyer in all of those, including the ones the district never sees. We place it for classroom teachers, coaches, substitutes, paraprofessionals, tutors and student teachers, whether or not a union policy is already in force.
- Student Accident Coverage
Student accident coverage is a medical benefit a school, a district, a camp or a youth program buys for the children in its care. It pays medical bills after an injury on school grounds, in a program or in a sport, without anyone having to prove the school was at fault, which is what keeps a broken arm from turning into a liability claim. Schools buy it for all students or for athletes only, camps buy it by the session, and the price is per head. We place it for private and charter schools, districts, camps, clubs and youth sports organizations, with the liability package alongside it.
What our private school clients 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 coverage 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, coverage 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.
Also in this family
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. 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.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.