Schools

School Insurance

Protecting students, staff, and educational environments

Schools operate in highly regulated environments where student safety, staff conduct, and data protection are critical. From daily classroom activities to extracurricular programs and administrative decision-making, educational institutions face a broad range of risk.

A properly structured insurance program supports safety, continuity, and institutional confidence.

Key Risks in School Operations

Schools face exposure related to:

• Student injuries and supervision responsibilities

• Professional liability for educators and administrators

• Employment practices and staffing disputes

• Data privacy and student records protection

• Premises liability across campuses and facilities

• Governance and policy-related claims

Even routine activities can create significant liability.

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.

Professional Liability (Educators Legal Liability)
Covers claims alleging errors, negligence, or wrongful acts by educators or administrators.

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.

Directors & Officers Liability
Protects leadership from claims related to governance, policy decisions, and oversight.

What’s Commonly Overlooked

School insurance programs are often weakened by:

• Gaps between professional and general liability coverage

• Inadequate limits for student injury claims

• Failure to account for extracurricular or off-campus activities

• Missing cyber coverage for student records

• Insufficient protection for board members

These gaps often surface during litigation or regulatory review.

Real-World Claim Examples

• A student is injured during school activities

• A teacher is accused of professional misconduct

• A data breach exposes student records

• An employment-related lawsuit impacts administration

Education-related claims often carry reputational consequences.

Why Proper Placement Matters

School coverage varies significantly based on:

• Age groups served

• Programs and extracurricular activities

• Staffing models

• State and regulatory requirements

Improper placement can leave institutions exposed to costly claims.

Our Approach

At Cory Washington & Co., we structure school insurance programs with student safety and institutional responsibility at the forefront. We align coverage with educational operations, governance structures, and compliance obligations.

Education thrives when protection is thoughtfully designed.