Private school campus with students and modern facilities

Private School Insurance

Insurance for private schools should match the campus: students, staff, volunteers, athletics, transportation, property, cyber, board decisions, contracts, and abuse-prevention controls.

Check Private School Pricing 1-800-252-6885

Private school insurance coverage to review before renewal

School accounts need the liability, property, student accident, cyber, workers comp, D&O, transportation, and abuse/molestation questions reviewed together.

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.

Private school risks that can change the insurance answer

The right coverage depends on enrollment, grade levels, athletics, transportation, campus property, volunteers, employees, contracts, and safeguarding controls.

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

How our office helps private schools quote cleaner

Education Expertise

We ask practical questions about students, staff, volunteers, athletics, transportation, campus property, field trips, contracts, and safeguarding procedures before recommending a coverage path.

Whole-Account Review

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.

Leadership-liability support path

Use the management-liability lane when the school file hinges on D&O, EPLI, fiduciary, cyber, or claims-made wording.

This private-school page is the broader campus account view. If the board, administration, employee-practices, benefit-plan, or leadership-liability side is the real issue, move into the management-liability guide or quote path for the tighter coverage split.

Review Management Liability Coverage Start a Management Liability Quote

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.

Private school insurance cost depends on enrollment, grade levels, property values, payroll, employee duties, athletics, transportation, student accident needs, cyber exposure, D&O, abuse/molestation coverage, prior claims, campus safety controls, and contract or accreditation requirements. A preschool, religious academy, K-12 campus, and school with buses or athletics can price very differently.

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.

Related Coverage

Trusted Carriers We Represent

Ready to compare private school insurance?

Send the basics on enrollment, staff, campus property, vehicles, activities, contracts, and current coverage. We will help compare the coverage path that fits the school.

Check Private School Pricing or call 1-800-252-6885