Because Protecting Students Is Everyone’s Responsibility
Running a school means managing a lot of moving parts — students, staff, facilities, events, field trips, and everything in between. With that comes a level of responsibility and exposure that general business insurance often isn’t equipped to fully address.
Whether you operate a private K-12 school, a daycare, a tutoring center, or a specialty education program, The L.N. Davis Company can help you put together coverage that’s built for the education environment.
The Risks Schools Face Every Day
Schools are busy, high-traffic environments with students of all ages and abilities. A student gets injured on the playground. A visitor slips in the hallway. A staff member faces an accusation. A fire damages classrooms and equipment. These aren’t hypotheticals — they’re the kinds of situations schools deal with, and they can be expensive without the right coverage in place.
What Schools Insurance Can Cover
General Liability Covers bodily injury and property damage claims arising from school operations — whether it happens on campus, during an off-site event, or on a field trip.
Professional Liability Protects administrators, teachers, and staff against claims of negligence, errors in judgment, or failure to provide adequate supervision or instruction.
Commercial Property Covers your buildings, classrooms, equipment, and contents against fire, theft, vandalism, and other covered losses.
Commercial Auto If your school operates buses or other vehicles for student transportation or staff use, commercial auto coverage keeps those operations protected.
Abuse & Molestation Liability A critical and often overlooked coverage for any organization working with minors. Helps protect the school in the event of allegations of abuse or misconduct.
Directors & Officers (D&O) Protects board members and school leadership from personal liability arising from the decisions they make on behalf of the organization.
Workers’ Compensation Covers medical expenses and lost wages for teachers and staff who are injured on the job.
Who We Work With
Schools insurance is a fit for a wide range of education organizations, including:
- Private and parochial K-12 schools
- Preschools and daycare centers
- Charter schools
- Tutoring and test prep centers
- Specialty and vocational schools
- After-school programs and enrichment centers
How To Get Started On Your Quote
No two schools operate the same way, and the risks you face depend on your size, your student population, and how your programs are structured. The L.N. Davis Company will work with you to build a coverage package that fits your school — not just a generic policy off the shelf.
To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!