Education Insurance

A school carries risk on the field, on the bus, in the classroom and in the student records it stores. Education insurance protects schools, students and staff from claims tied to those activities, and at AGEMA Insurance Solutions in Overland Park, KS, we place it for public K-12 school districts, private and independent schools, charter schools and academies, colleges and universities, community colleges, and trade and vocational schools. Private schools organized as nonprofits can also review our nonprofit insurance page, buses and maintenance vehicles connect to commercial auto insurance, and a full list of lines sits on our AGEMA home page.

School Liability Insurance for Campus and Activities

School liability insurance begins with general liability, which protects against claims of bodily injury or property damage on campus or during school-sponsored activities, from sporting events to field trips. Abuse and molestation liability protects the institution from claims of sexual misconduct or physical abuse, and it is often written as a sub-limit or a separate endorsement with its own limit. Those policies may not automatically extend to volunteers or independent contractors, so schools that rely on coaches, chaperones or contracted staff should ask for that extension in writing. A Kansas court case over a church's $300,000 Sexual Acts Endorsement shows how much the wording of that limit can matter.

Private School Insurance and Educator's Legal Liability

Private and charter schools face claims that a general liability policy was never designed to answer. Educator's legal liability is an E&O policy for wrongful acts in the performance of educational duties, such as failure to educate, wrongful disciplinary action or discrimination. Published wholesale targets for private K-12 schools pair general liability at $1M/$2M with an abuse and molestation sub-limit of $1M and educator's legal liability of $2M, though available limits are confirmed only after carrier review. Cyber liability protects the student, faculty and alumni data an institution stores from breaches and cyberattacks.

K-12 School Insurance for Districts and Colleges

District and college programs add exposures that smaller schools may not carry. Commercial auto and fleet coverage insures school buses, maintenance vehicles and other institution-owned vehicles. School security and crisis response coverage can pay for the costs of responding to a violent incident on campus, including crisis communication, counseling and liability. We build each program around the activities, enrollment and vehicles of the institution, and every policy remains subject to the carrier's terms, exclusions and underwriting.