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.
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.
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.
Frequently Asked Questions
What insurance does a private school need in Florida?
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.
Does private school insurance cover athletic programs?
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.
How much does private school insurance cost?
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.
Do we need abuse and molestation coverage?
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.
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Protect your students, staff, and institution with the right coverage. Average quote turnaround: same business day.