Educational services

Customized general liability coverage for all types of educational services

Finding the right insurance program for your educational service center is just as important as finding the right instructors, books, and curriculum. The right program protects all your resources, from your staff to your buildings.

Programs include:

  • Tutoring and test prep (SAT, ACT)
  • Educational enrichment (S.T.E.M. and S.T.E.A.M.)
  • Language, included ESL, reading
  • Montessori/Waldorf K-12
  • Trade/vocational
  • Fine arts, drama, music, dance
  • Computer training
  • Charm/finishing/etiquette
  • Public speaking
  • Culinary
  • Professional development
  • Head starts
  • Continuing education
  • Photography

Not a market for:

  • Public schools
  • Charter and private schools
  • Driving schools
  • Vocational schools offering hands on health care/dental skills, cosmetology or heavy equipment operation
  • Security guard training
  • Colleges or Universities
  • Massage therapy
  • Swimming
  • Survival training

Coverage highlights


  • Custom enhancements available
  • Business income
  • Ordinance or law
  • Money and securities
  • Spoilage
  • Employee theft
  • Equipment breakdown

General liability

  • Limits up to $2 million per occurrence/$4 million aggregate for tutoring/enrichment programs
  • Limits up to $1 million per occurrence/$3 million aggregate for all other programs
  • Corporal punishment at policy limits
  • Teachers included as additional insured
  • Expanded definition of bodily injury

Educators legal liability – Montessori/Waldorf only

  • Limits up to $1 million per occurrence/$2 million aggregate
  • Directors and officers liability
  • Employment practices liability
  • Written on a claims made basis

Abuse and molestation liability

  • Limits up to $1 million per occurrence/$3 million aggregate
  • Abuse coverage with defense outside the limits
  • Separate insuring agreement
  • Coverage for employees and volunteers included

Commercial auto

  • Automatic liability coverage for leased autos
  • Fellow employee coverage from covered autos
  • Rental reimbursement
  • No deductible for glass repair
  • Up to $1 million CSL available
  • Written as a separate policy

Workers compensation

  • $0 minimum premium
  • Start-ups and new ventures welcome
  • Written as a separate policy

Other available coverages:

  • Cyber liability
  • Accident medical
  • Umbrella