Private school insurance protects your school, your staff, and the families who trust you with their children. Integrity Now Insurance Brokers is an independent agency that places coverage for private, faith-based, and independent schools, from small Montessori and elementary programs to junior high and high schools. We shop your school with the carriers that write schools in your state and walk you through the options side by side.
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What Insurance Does a Private School Need?
Every school is different, but most private school insurance programs are built from the same core coverages. Here is what each one does and why it matters.
General Liability Insurance
General liability is the foundation of any school insurance program. It responds when someone other than an employee is hurt on campus, or when school activities damage someone else’s property.
- Bodily injury to students, parents, and visitors on school property
- Property damage to others caused by school operations
- Personal and advertising injury, such as libel or slander claims
- Legal defense costs if the school is sued
Property Insurance
Property coverage protects your buildings, classrooms, and contents from fire, storms, theft, and vandalism, including computers, lab equipment, instruments, and teaching materials. As with churches, schools should insure buildings to replacement cost, not market value, so a loss doesn’t leave you short of what it takes to rebuild.
Abuse and Molestation / Sexual Misconduct Coverage
Any organization that serves children needs this coverage. Standard general liability policies often exclude or sharply limit abuse and molestation claims. Separate coverage protects the school and its staff and pays defense costs when allegations arise. Carriers will also look closely at your background-check and supervision policies when they quote it.
Educators Legal Liability and Professional Liability
Schools make decisions every day about admissions, discipline, grading, and student services. Educators legal liability covers claims arising from those decisions, and professional liability covers alleged errors in instruction, counseling, or other professional services.
Directors and Officers (D&O) Insurance
Most private schools are governed by a volunteer board. D&O insurance protects board members and administrators from personal liability for decisions they make managing the school, including financial, governance, and policy decisions.
Employment Practices Liability (EPLI)
Teachers, coaches, aides, and administrative staff create employment exposure. EPLI covers claims of wrongful termination, discrimination, harassment, and retaliation, which are among the most common claims schools face.
Workers’ Compensation
If your school has employees, most states require workers’ compensation. It covers medical costs and lost wages for staff injured on the job. Requirements vary by state, and we’ll help you understand yours.
Student Accident Insurance
Student accident coverage pays medical expenses for injuries at school, in physical education, and in athletics, often before the family’s own health insurance. It can also reduce the chance that a minor injury turns into a liability claim.
Commercial Auto and School Bus Coverage
If your school owns vans or buses, or staff and volunteers drive students to field trips and games, you need commercial auto coverage. Hired and non-owned auto liability covers volunteers and staff using their own vehicles for school business.
Additional Coverages Worth Considering
- Cyber liability for student and family records, tuition payments, and ransomware
- Crime and employee dishonesty for tuition, donations, and fundraising funds
- Umbrella or excess liability for limits above your primary policies
- Special event and field trip coverage for trips, fundraisers, graduations, and camps
Schools We Help Insure
- Faith-based and Christian schools, including schools operated by a church, where the school and church coverage need to fit together
- Montessori and private elementary schools, where playground and classroom safety and young-child supervision drive the program
- Private junior high and high schools, with athletics, field trips, lab work, and older-student exposures
- Preschools and early learning programs. See our daycare and preschool insurance page for church-run programs.
What Affects the Cost of Private School Insurance?
Every school is priced individually, so there is no single price for private school insurance. The main factors carriers weigh:
- State and location. Carrier availability, underwriting rules, and property risks such as wildfire, flood, wind, and crime vary by state and by location within a state.
- Enrollment, staff, and payroll. More students and employees mean more liability and workers’ compensation exposure.
- Buildings. Size, age, construction, roof, and electrical and plumbing updates all affect property premiums.
- Programs. Athletics, transportation, boarding, before- and after-school care, and summer camps each add exposure.
- Safety and child-protection practices. Background checks, supervision policies, and documented training can improve your options.
- Claims history. Past claims affect both price and which carriers will quote.
Because every carrier weighs these differently, comparing several quotes is the most reliable way to find the right program at a fair price.
Why Work With an Independent Broker?
A direct carrier can only offer its own policy. As an independent broker, we represent your school, not an insurance company. We gather quotes from the carriers that write schools where you are, compare them coverage by coverage rather than just on price, and help your board make an informed decision. If a claim happens, you have an advocate on your side.
Private School Insurance FAQs
How much does private school insurance cost?
It depends on your state and location, enrollment, buildings, programs, and claims history. Two schools of similar size can receive very different quotes, which is why we compare several carriers for every school.
Is abuse and molestation coverage included in general liability?
Often not, or only with low limits. Schools should confirm that abuse and molestation coverage is included with adequate limits, or add it separately.
Does a church-run school need its own policy?
Not always. Some church programs include the school, and some carriers require separate coverage. We review how your church and school are organized and make sure there are no gaps between them.
How long does it take to get a private school insurance quote?
Turnaround depends on your state and where in the state your school is located, the carriers that write schools there, the size of your buildings, and how complex your school is. Simple quotes can come back quickly, while larger schools with athletics, transportation, or past claims can take several weeks because carriers underwrite them individually.
What information do you need to quote our school?
Enrollment and grade levels, number of employees, building details, a list of programs and activities (athletics, transportation, before/after-school care, camps), your current policy declarations, and your claims history.
Request a Private School Insurance Quote
Tell us about your school once, and we’ll shop the carriers that write private schools in your state. Start your private school insurance quote → For our full range of nonprofit coverage, see nonprofit insurance.