School Insurance

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School Insurance

Available in all 50 states!

Healthy schools are the foundation of a thriving community. We want to help your school grow and prosper. We represent many school insurance companies and know the strengths of each. 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 clients with many additional tools and resources to help them run effectively, reduce risk, and drive success.


Scott Kitt
(828) 350-3125

Jay Stalfort
(434) 327-1638

School Insurance Program

Key Features

What makes us different:

  • Multiple school insurance companies that specialize in the industry
  • Expertise with prompt, courteous service: Each of our clients is assigned a personal agent and given their email address along with a phone number that rings on their desk. We do not operate a call center.
  • Blanket property protection or per-location coverage
  • Claims Advocacy: We staff in-house claims agents that are your advocate with the insurance carrier and ensure your claims are handled quickly and fairly.
  • Coverage for busses, vans, or even parents driving on behalf of school venues
  • 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

Business Operations

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

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

We Offer

Our insurance products:

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Education: The Road to Success!

Every day schools shoulder immense responsibility. It comes with 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 student transportation. Additionally, the facilities themselves represent enormous capital investments in need of protection.

Know your risks, but do not be paralyzed by them. Our school insurance program is tailored to your needs, not the other way around. You know how to teach and educate. We can help create a plan to reduce risk and cover exposure. Let us be your trusted insurance agent.

School Insurance Quote

School Insurance Quote

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We only use it to obtain quotes and never share.

Multi-Carrier Quotes

To ensure the best fit and lowest price. We will contact you when additional questions arise.

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School Insurance

school insurance, property

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
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, 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
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
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

Highlights of our school insurance program:

  • Employee Benefits: Group health, life, disability, dental, and vision insurance
  • Management liability packages
    • Directors and Officers Liability
    • Employment Practices Liability Insurance
    • Employee Benefits Liability
  • Image Restoration
  • Crisis Response
  • 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
  • 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 possess a broad range of business service needs. What are your organization’s challenges? Hiring and retaining key talent? Training bus drivers?

How can we help you succeed?

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 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 offers safety manuals, handbooks, and other business documents to our school insurance clients. Below is an offering sample. Ask your insurance agent what may be 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: