Insurance for Charter Schools

Give Charter School clients the freedom to focus on their missions without distraction from costly claims or lawsuits.  

Charter Schools fill a unique niche in our communities. When children and parents are involved, unique risks exist. Unfortunately children are susceptible to injuries, buildings are liable to be damaged, or teachers may make claims against their employers. Keep clients who educate others in business with coverage designed just for them. 

children filing off bus

What types of risks do charter schools face? 

According to Ed100, American children spend about 1,000 hours each year in school. As charter schools are becoming more and more popular across the country, ensure your clients are aware of the risks their students and teachers face including:

  • Personal Injury
  • Property damage
  • Vandalism
  • Theft
  • Sexual and/or physical abuse
school crossing sign

What type of coverage do charter schools need? 

A typical insurance plan is not enough for this specialized market. Charter schools should consider the following to ensure they are protected properly: 

  • General Liability: Covers property damage and bodily injury from third party claimants.
  • Property: Covers the school from damage occurring from natural causes such as hail, or guests who cause damage.
  • Sexual Misconduct and Molestation: Protects against claims of sexual misconduct. 
  • Worker's Compensation: Protects employees if they become sick or injured in an accident on the job. This will pay for medical costs and lost wages.
  • Employee Benefits Liability Coverage: Coverage in the event an employee claims a loss from errors or omissions in the administration of benefits.