School Insurance

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Insurance for Schools

Available in all 50 states!

Healthy schools are the foundation of any thriving community. We want to help your school grow and prosper. We represent many insurance companies that specialize in school insurance. Because we are an independent insurance agency, we aren’t tied to just one. We will quote your coverage with those that best suit your unique needs. We also provide our school insurance clients with many additional tools and resources to help them run effectively, reduce risk, and drive success.

School insurance – Call us at (877) 606-1375!

We can insure

All academic educational institutions from pre-K through college are eligible for our school insurance packages, including:

  • Private schools
  • Vocational
  • Faith based
  • Montessori
  • Trade schools
  • Charter schools
  • Elementary
  • Secondary day schools
  • Colleges
  • Universities
  • Student Housing

We Offer

  • A complete school insurance course catalogue – multiple insurance companies that specialize in the industry
  • Expertise with prompt, courteous service.  Each of our school insurance clients is assigned a personal agent and given a phone number that rings on their desk.
  • Property: blanket or per-location coverage for buildings, contents, equipment, bleachers, booths, and all other.
  • General Liability: standard $1m/$3m limits or higher as desired
  • Umbrella Liability
  • Business Automobile: coverage for busses, vans, or even parents driving on behalf of school venues
  • Workers Compensation
  • Science labs included
  • Corporal punishment coverage
  • Tuition reimbursement
  • Medical incident protection for athletic trainers and the school nurse
  • Parent Teacher Associations and booster clubs as additional insured
  • Volunteers and temporary workers as additional insured
  • Crisis response
  • Abuse and molestation
  • Group health insurance
  • Group life insurance
  • All other

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At Bankers Insurance, the client is always in control.

Education:  The Road to Success!

Every day schools shoulder immense responsibility. It’s part of the business. Whether pre-K or college, they are full of students interacting with each other, faculty, and volunteers. Risks range from mundane slip-and-falls to chemistry lab accidents to athletic team oversight to transporting students. And not only these liabilities, but the facilities themselves represent enormous capital investments needing protection.

It’s our job to help protect you. We want you be the best educational institution possible – aware of your risks, but not paralyzed by them. Our school insurance packages are tailored to your needs, not the other way around. You know how to teach and educate. Let us help you create a plan to reduce your risks and insure the ones you can’t. We want to be your trusted insurance agent.

School Insurance Quote

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Full Applications:

Complete only if directed by your insurance agent:

  1. Basic Application MS Word (fillable) or Basic Application PDF
  2. School Supplemental Application PDF (fillable)
  3. School Board Legal Liability Application PDF (fillable)

School Insurance


Property

school insurance, property

School insurance coverages vary depending upon the needs of our clients. Property coverage can include:

  • Blanket basis:  All buildings and locations included in a school insurance package can be covered under a single blanket limit, or listed individually. Ask your agent which is right for you.
  • Buildings: school, temporary classrooms, gyms, bleachers, ticket booths, refreshment stands, playground structures
  • Contents: furniture, books, gym equipment
  • Computers, computerized equipment, printers, software, and the expense of restoration
  • Personal property of teachers and students
  • Refrigerated property
  • Business interruption with lost tuition income
  • Extra expense:  Expenses outside of normal operations, due to a claim. For example, if damage occurs to the school, temporary classrooms may need to be rented while repairs to the building are performed. The rental expense would qualify as an extra expense.
  • Employee dishonesty, including pension plan (ERISA) compliance
  • Ordinance or Law – increased cost of construction
  • Flood and Earthquake

 


Liability

school insurance liability

Liability risks for schools are widespread and significant.  At times, they can even outweigh the more tangible risk of damage to facilities.  To cover risk exposures, school insurance solutions can include:

  • General Liability
  • Umbrella Liability
  • Educators Professional Liability
  • Directors and Officers Liability
  • Abuse and Molestation coverage
  • Cyber liability
  • Employment Practices Liability Insurance: An ever-increasing need for school insurance packages, this coverage protects against liability due to wrongful termination, harassment (including 3rd party), discrimination, etc.
  • Coverage for athletic trainers and school nurse
  • Parent Teacher Associations and booster clubs as additional insured
  • Volunteers as insureds
  • Legal expense for innocent insureds
  • Medical payments
  • Employee Benefits Liability
  • Blanket additional insureds available

 


Business Auto / Truck

school insurance, business auto

Many auto-related risks exist beyond the obvious buses and vans. Review the coverages available below to ensure your school insurance package is protecting all your exposures.

  • Coverage for owned vehicles
    • Buses
    • Vans
    • Passenger type vehicles
  • Non-owned vehicle liability:
    • Inexpensive, broad coverage
    • Parents driving on behalf on the school, such as on a field trip.
    • Employees driving their own vehicles on school business, such as supply runs, post office runs, or moving students between locations
    • Driver education
  • Hired vehicle liability
    • Rented buses or vans
    • Student trips
  • Physical damage for volunteers’/employees’ autos and hired/rented autos
  • Lease / Loan gap
  • Rental reimbursement
  • Towing and labor
  • Blanket additional insured

 


Workers Compensation

school insurance, workers compensation

One of the most important school insurance coverages, workers compensation insurance protects your teachers and other employees if they are injured while on the job. Coverage includes protection for healthcare bills and disability – replacing a portion of lost wages. This coverage can be written as a part of an entire package, or as a separate coverage altogether. Read more on simply managing workers compensation claims can greatly reduce costs. Bankers Insurance can provide:

  • Traditional, guaranteed cost policies
  • High deductible programs
  • Risk-retention groups
  • Retrospective rating plans (retro plans)
  • Self-insured plans
  • Captives
  • Experience modification reviews
  • Worksite safety programs

Other Coverages and Options

school insurance, other coverages

These coverages set our school insurance apart from the rest.

  • Crisis Response
  • Image Restoration
  • Counseling
  • Donation Assurance
  • Emergency Real Estate Consulting Fee
  • Identity Theft
  • Business Travel Accident
  • Key Individual Replacement
  • Kidnap
  • Terrorism Travel Reimbursement
  • Workplace Violence Counseling
  • Conference Cancellation
  • Fundraising Event Blackout
  • Political Unrest
  • Temporary Meeting Space Reimbursement
  • Travel Delay Reimbursement
  • Cyber Liability / Data Breach
  • Abuse and molestation
  • Computer fraud
  • Flood and earthquake
  • Management liability packages
    • Directors and Officers Liability
    • Employment Practices Liability Insurance
    • Employee Benefits Liability
  • School Board Legal Liability
  • Corporal punishment
  • Guaranteed replacement cost for buildings and property
  • Sports equipment, musical instruments, audio/visual equipment
  • Builder’s risk
  • Law enforcement professional liability

Services for Schools

Schools have a broad ranges of business service needs. What are your organization’s challenges? Hiring and retaining key talent? Training bus drivers?

How can we help you succeed?

We know a school doesn’t flourish by chance and luck. Staffing, planning, marketing, and effective management of resources are only a sample of the many moving parts of your organization. We want your business to succeed, so we not only provide school insurance, but an entire catalogue of  value-added client services to help you manage, grow, and thrive.

Services may vary depending upon school insurance carrier:

  • Safety reviews and management
  • Safety manuals and procedures
  • OSHA 30-hour training
  • Thermographic infrared surveys
  • Employee manuals tailored to your school’s needs
  • Sprinkler system evaluation and analysis
  • Supervisor accountability programs
  • Complete risk surveys and liability reviews
  • E-flyer communications on current risk management issues and Large Loss Lessons Learned
  • Building Valuation
  • Employee background screening
  • Driver screening and training programs, including defensive driving instruction, 15 passenger van safety, and emergency evacuation training
  • Driver monitoring programs
  • Best practices assessment / gap analysis
  • Contractual liability consultation
  • Workers compensation experience modification analysis
  • Workers compensation cost containment strategies
  • Emergency evacuation training
  • Exposure reduction consultations
  • Regulatory guidance

Further Resources

Bankers Insurance has many, many resources available for our school insurance clients. Below is only a sample of our offerings. Ask your insurance agent what is available to you.

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We offer choices and expertise.  We don’t expect clients to be school insurance experts.  Take advantage of our experience.  We can explain your options and help you determine the right coverages.

As your insurance agent, we strive to know you.   Only then can suggest the coverage that suits your specific school.  We look for coverage gaps to help ensure complete protection.  With us, you get the benefit of: