School Insurance Coverage Checklist
The coverages a school business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for private, religious, and charter schools. Priorities reflect typical exposure; confirm against athletics, housing, and transportation.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers student and visitor injuries. | Core | |
| Educators Legal Liability | Covers claims over discipline, admissions, and educational decisions — excluded from GL. | Core | |
| Abuse & Molestation | Covers abuse allegations involving children — often excluded or sublimited; confirm the limit. | Core | |
| Umbrella / Excess Liability | Adds limits for a violent incident or catastrophic injury. | Core | |
| Commercial Property & Business Income | Covers buildings and income after a closure. | Core | |
| Workers' Compensation | Required in most states. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is limits sized for violence. The August 2025 shooting at a Minneapolis Catholic school's all-school Mass killed two children and injured 17 — and many schools carry limits built for slip-and-fall claims. Schools should review umbrella limits and consider active-assailant coverage, extend security plans to every gathering, and run drills with local police.
Send us the checklist and we'll review your school coverage line by line, then market it across multiple carriers that compete for your account.
Related: School Insurance · School Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a school business need?
The core coverages for a school business are Commercial General Liability, Educators Legal Liability, Abuse & Molestation, Umbrella / Excess Liability, Commercial Property & Business Income, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my school coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.