Private school campus with students and modern facilities

Private School Insurance

Comprehensive protection for independent schools, academies, and educational institutions. From classrooms to athletic fields, we cover the unique risks of private education.

Get Your Free School Quote 1-800-252-6885

Coverage Types for Private Schools

Build a comprehensive insurance package that protects every aspect of your educational institution.

General Liability

Protects against bodily injury and property damage claims from students, parents, and visitors on school premises.

Professional Liability (E&O)

Covers claims of educational malpractice, failure to educate, wrongful discipline, and negligent supervision.

Student Accident Insurance

Medical coverage for students injured during school activities, athletics, or field trips.

Commercial Property

Covers school buildings, classrooms, libraries, equipment, technology, and educational materials.

Cyber Liability

Protects against data breaches involving student records, financial information, and employee data.

Workers Compensation

Covers teacher and staff injuries, from classroom accidents to athletic coaching incidents.

Directors & Officers Liability

Protects school board members and administrators from lawsuits arising from governance decisions.

Commercial Auto

Covers school buses, vans, and vehicles used for transportation and field trips.

Employment Practices Liability

Protects against claims of wrongful termination, discrimination, and harassment by employees.

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Common Private School Risks

Understanding these risks helps you choose the right coverage.

Student injuries during sports, recess, or PE activities

Educational malpractice and failure to educate claims

Slip and fall accidents in hallways and cafeterias

Data breaches exposing student and family information

Abuse and molestation allegations (requires specialized coverage)

Transportation accidents involving school buses and vans

Food-related illnesses from cafeteria operations

Athletic injuries and concussion-related claims

Property damage from fire, storms, or vandalism

Employee discrimination or wrongful termination lawsuits

Playground equipment injuries

Parent complaints and wrongful discipline claims

Why Choose Greene & Associates?

Education Expertise

We understand the unique liability exposures of private schools, from classroom instruction to athletic programs.

Comprehensive Coverage

One package covering general liability, professional liability, property, cyber, and student accidents.

Risk Management Support

Access to safety resources, background check guidance, and loss prevention strategies to protect your school.

Private School & Church Insurance Throughout Florida

Educational institutions need comprehensive coverage. We specialize in schools, churches, and daycares across Florida.

Jacksonville & Northeast FL

Private K-12 schools, preschools, church daycares, religious academies. Jacksonville educational institutions need general liability, student accident coverage, sexual abuse & molestation protection, property insurance.

Jacksonville Insurance

Orlando & Central FL

Private academies, church schools, homeschool co-ops, faith-based daycares. Central Florida educational insurance covers student injuries, staff liability, campus property, and transportation.

Orlando Insurance

Tampa & Gulf Coast

Religious schools, Montessori programs, private academies, church-run daycares. Gulf Coast educational institutions face unique Florida risks: hurricanes, playground injuries, van accidents.

Tampa Insurance

Miami & South FL

Catholic schools, Jewish academies, private pre-K through 12, faith-based learning centers. South Florida educational insurance is specialized and compliance-heavy. We handle it.

Miami Insurance

Gainesville & North Central FL

Church schools, homeschool groups, private academies, faith-based daycares. Gainesville educational institutions balance academics and liability. We provide the coverage.

Gainesville Insurance

Tallahassee & Panhandle

Religious academies, Capitol-area private schools, FSU-adjacent programs. Panhandle educational insurance includes general liability, abuse coverage, property, and transportation.

Tallahassee Insurance

Based in Lake City, serving educational institutions statewide.

Frequently Asked Questions

At minimum, you need general liability, professional liability (E&O), commercial property, and workers compensation. Most private schools also need student accident insurance, commercial auto for buses, cyber liability for data protection, and directors & officers liability to protect school leadership. Athletic programs may require additional coverage.

Standard general liability typically covers basic athletic activities, but you may need additional sports accident insurance for football, soccer, basketball, and other contact sports. Many schools purchase student accident policies that include athletic coverage with higher limits for sports-related injuries.

Costs vary based on enrollment, facilities, programs offered, and athletic activities. A small private school (100-200 students) might pay $15,000-30,000/year for comprehensive coverage. Larger schools with extensive facilities and athletic programs will have higher premiums. Factors include building value, number of employees, student enrollment, and sports offered.

Yes, this is critical coverage for any school. Many general liability policies exclude abuse and molestation claims, so you'll need to add this as a separate endorsement or standalone policy. This coverage protects the school from claims involving improper conduct by staff, volunteers, or other students. Background checks and proper hiring practices are essential.