Private School Insurance

Abuse And Molestation Liability For Private Schools

For the exposure every school underwriter asks about first.

Many general liability forms exclude or sharply sublimit abuse and molestation claims, so schools typically add affirmative coverage as its own part, defending the institution when allegations name a staff member, coach, or volunteer. Carriers underwrite it on your safeguards: background checks on every adult, a written supervision policy, a two adult rule, and documented training. The protocols are the price of the coverage, and the defense.

Abuse and molestation liability can help pay for:

• Defense of the school against abuse and misconduct allegations.
• Settlements and judgments, subject to the policy's limits and terms.
• Claims tied to staff, coaches, and screened volunteers.

Commercial Property Insurance For Campus Buildings And Tuition Income

For classrooms, labs, gyms, chapels, and the tuition that stops when they close.

Commercial property insurance may cover buildings, contents, science lab and athletic equipment, and technology against fire, weather, theft, and similar perils, with business income coverage for a covered shutdown. For a school, that income is tuition: a campus closed for a semester of repairs still owes salaries, and the business income limit should be sized to that reality, not a retail default.

Commercial property can help pay for:

• Fire, weather, and theft losses to buildings and contents.
• Labs, gym equipment, technology, and library collections.
• Lost tuition income and extra expense during a covered closure.

Workers' Compensation For Teachers And Campus Staff

For faculty, aides, coaches, cafeteria, and maintenance crews.

Workers' compensation may cover medical bills and lost wages after employee injuries, and a campus generates them across every department: playground duty falls, gym class collisions, kitchen burns, and ladder work in the maintenance shop. Most states require coverage once you hire, with rules that vary by state, and it applies to part time aides and seasonal camp staff too.

Workers' compensation can help pay for:

• Medical care after workplace injuries across campus.
• Lost wages during recovery.
• Employer liability defense.

Also worth pricing as the school grows: cyber liability for student records and tuition payment data, student accident coverage, a medical benefit many schools add that pays for student injuries regardless of fault, employment practices liability for faculty disputes, crime coverage for tuition and booster funds, special event insurance for galas and fundraisers, and excess liability where a lender or diocese asks for higher limits. Smaller academies may qualify for a business owners policy, and here is how a BOP works, while full campuses typically move to package policies. Our school liability page covers the broader education sector, and nonprofit organizations that run schools wear both hats at once.

Coverage Limits Private Schools Usually Carry

Limits in this trade are usually set by the diocese, the lender, and the lease before they are set by preference.

Diocesan and landlord schedules commonly call for general liability with limits of one million per occurrence and two million aggregate, with additional insured wording, and the abuse and molestation part deserves its own limit discussion, since a sublimit is where these programs quietly fail. Property and business income get sized to the campus and its tuition, and here is how occurrence and aggregate limits work when a schedule dictates them.

What a given school should carry depends on enrollment, programs, and the schedules it answers to, which is a placement conversation, not a chart.