Insurance for Schools

Our products are specifically designed to meet the needs of private and charter schools.

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In a school with a large staff and many students, accidents can happen. K. Chase Patterson, CEO of Urban Academy, is thankful they have the insurance coverage they need from AmTrust to stay protected. Together with their account executive from Sovereign Insurance Group, Stephanie Hass, they rely on AmTrust as the third largest workers’ comp carrier in the country and the number one insurance carrier for their insureds. And that’s why Urban Academy is protected with insurance for schools from AmTrust.

Insurance for Schools: Why is it Important?

The educational sector faces a variety of workplace risks, ranging from workers’ compensation injuries to employment practice exposures. Teachers, students, food service and building maintenance staff are all subject to hazards. School property can also represent another set of insurance risks. From ergonomic injuries like muscle strains to workplace violence and wrongful termination claims, educational institutions need the right insurance coverage to protect their workforce, students and property.

Types of School Insurance Coverages

AmTrust is committed to educational institutions, and our insurance for schools coverage is comprehensive in scope and competitively priced. Our school insurance coverage is tailored to the needs of different types of educational institutions, from private and charter schools to religiously-affiliated schools.

Workers' Compensation Insurance protects schools by providing benefits to employees injured on a job site. These benefits can address medical care and related medical costs, retraining and lost wages until the employee can return to work or compensation for permanent disability.

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General Liability Insurance provides coverage to schools for bodily injury, personal injury and property damage caused by the business's operations, or injury that occurs on the job. This type of business insurance offers coverage for third parties who experience harm to themselves or their property because of something the school or the employees failed to do.

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Commercial Property Insurance is vital coverage for schools. Property exposures for educational institutions include faulty playground equipment that could lead to a student injury, uneven or icy walkways that may cause slip and fall accidents, undetected mold issues, frozen pipes that burst in the winter, and more.

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Directors and Officers (D&O) Liability Insurance protects an educational institution’s executive board if they are named in a lawsuit. The insurance covers costs and damages (awards and settlements) that arise from wrongful action allegations and lawsuits brought against members of the board of directors or an officer of an organization.

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Employment Practices Liability Insurance (EPLI) coverage protects educational institutions in the event of employment-related claims, including alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation. An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time or seasonal workers, volunteers and independent contractors.

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Cybersecurity issues like ransomware attacks are on the rise in school districts across the country. Cyber liability insurance provides coverage for certain losses incurred due to data breaches. Businesses increasingly face cyber risks that can threaten their operations and even their existence.

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AmTrust’s Preferred Exposures for Educational Institutions

Our list of preferred schools includes but is not limited to the following types of educational institutions:

Preschool through college

Small community libraries

Vocational/technical

Charter/magnet

AmTrust Agents

Our appointed agents fully understand the unique risks facing educational institutions. We deliver an unbeatable combination of sound coverage, stable pricing and exceptional service to our insureds and agents. We offer a comprehensive suite of school insurance coverages, so our appointed agents have the confidence and the flexibility to provide their clients with the right policy to protect them from risk.

Educational Institutions Coverage Sell Sheet

Insurance for Schools

Featured Business: Urban Academy of Greater Pittsburgh

Insurance for Schools: Why is it Important?

Types of School Insurance Coverages

Workers’ Compensation

General Liability Insurance

Commercial Property Insurance

Directors and Officers Liability

Employment Practices Liability Insurance

Cyber Insurance

AmTrust’s Preferred Exposures for Educational Institutions

AmTrust Agents