Where Learning Is Safe and the Future Is Bright.
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.
Not sure your coverage is complete? Run the School Coverage Self-Review Checklist — tick what you can confirm, and walk into your next policy review informed.
Download the fillable Schools Supplemental to start your submission, or browse all applications.
Frequently Asked Questions
How do I get school insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate school insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
What drives the cost of school insurance?
There is no flat rate. The cost of school insurance reflects your industry, your size (payroll and revenue), your claims history, and the limits and deductibles you choose. We market your account to multiple carriers, compare the real quotes side by side, and explain what is driving each number so you can weigh coverage against price with confidence.
Do I need school insurance?
Whether school insurance is strictly required depends on your state, your contracts, and your lenders or clients. Even where it is not mandatory, going without it can leave serious financial gaps. We assess your exposure and any contractual requirements, then structure coverage that meets both.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.