"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.
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