School Insurance

School Insurance

Protecting students, staff, and educational operations

Schools face complex risks involving student safety, staff responsibilities, property exposure, and regulatory oversight. Whether operating a private school, charter school, academy, or educational program, daily activities involve supervision of students, use of facilities, and interaction with parents and the public. Even well-managed schools can face claims involving injuries, misconduct allegations, or administrative decisions.

Properly structured insurance helps protect the institution, its leadership, and the continuity of educational operations.

Key Risks in School Operations

Schools face exposure related to:

• Student injuries or accidents

• Abuse or misconduct allegations

• Staff employment disputes

• Property damage or catastrophic loss

• Board or administrative decisions

• Transportation-related incidents

• Event and extracurricular activity exposure

Claims can arise even when policies and procedures are followed.

Core Coverages for Schools

School insurance programs typically include:

General Liability
Protects against bodily injury and property damage claims involving students, visitors, or third parties.

Educators Legal Liability / Professional Liability
Covers claims involving educational decisions, supervision, or failure to perform duties.

Commercial Property
Protects school buildings, equipment, and contents against covered physical loss.

Sexual Abuse & Molestation Liability
Protects against allegations involving students, staff, or volunteers.

Workers Compensation
Provides coverage for employee injuries as required by law.

Directors & Officers (D&O)
Protects administrators, board members, and leadership from governance-related claims.

Employment Practices Liability (EPLI)
Covers claims related to hiring, termination, discrimination, harassment, or retaliation.

Cyber Insurance
Addresses data breaches, ransomware, and privacy incidents involving student or staff information.

Umbrella / Excess Liability
Provides additional limits for severe or multi-claim situations.

What’s Commonly Overlooked

School insurance programs are often weakened by:

• Missing abuse or molestation coverage

• Inadequate liability limits

• No coverage for extracurricular activities

• Failure to insure volunteers properly

• Gaps between professional and general liability

• Underinsured property values

These issues often appear only after a claim occurs.

Real-World Claim Examples

• A student is injured during school activities

• A misconduct allegation is made against staff

• Fire damages part of the school building

• A parent files a lawsuit against the administration

• An employee files a workplace claim

Even one claim can impact operations and reputation.

Why Proper Placement Matters

School coverage varies significantly based on:

• Type of school or program

• Number of students

• Staff and volunteer structure

• Activities and transportation exposure

• State regulations

• Governing board requirements

Improper placement can result in uncovered claims or regulatory issues.

Our Approach

At Cory Washington & Co., we structure school insurance programs based on how your institution actually operates — including student supervision, staffing, facilities, and activities. We coordinate liability, abuse coverage, property, and governance protection to ensure your coverage matches the real risks schools face.

Protecting education means protecting everyone involved.