Commercial industry
Private School Insurance
A private school is a public-assembly occupancy with minors, a faculty, a board, and usually a van. The file is property and ordinance-or-law on the buildings, general liability with abuse-and-molestation coverage that is actually granted, commercial auto for the bus or van fleet, professional or educators liability, and D&O for the board. A church package that never scheduled the school, or a office BOP with a “classroom” code, is the wrong chassis.
We place private K-12 schools and small admitted charter or independent schools that are still commercial accounts. We do not write public school districts from this page, and we do not write colleges with stadiums, trade schools with industrial shops, or programs whose main activity is adventure, aviation, or overnight wilderness. If the school sits under a church, we still want the school scheduled as a school — shared gyms and shared boards are how claims fall between two forms.
Abuse-and-molestation coverage is a underwriting conversation, not a checkbox. Carriers want hiring, training, and supervision practices. We ask for them because a denied abuse claim is not something you discover at the worst possible time. Student accident and the relationship between the GL and a athletic program belong on the same proposal. If you have a pool, a ropes course, or tackle football, say so in the first email — those are disclosable, and some of them change appetite.
Property on older school buildings is a ordinance-or-law and replacement-cost problem. A partial fire that triggers a sprinkler or egress upgrade will exceed a cheap building limit. Business income and extra expense decide whether you reopen in a temporary space. The gym, the theater, and a small kitchen or after-care program are occupancies, not footnotes.
Vans and buses are commercial auto, including hired and non-owned for teachers who drive students in personal cars — a practice we want in writing if it exists at all. Field-trip certificates are a weekly job. Washington employees stay with L&I; we place stop-gap and competitive-state WC. We never present a private WC policy as a replacement for L&I. Volunteers and parent drivers are not automatically covered just because they are “part of the community.”
Associations, churches, and museums are the related pages. A school that is also a ministry should still have the student and abuse story on a school structure. We write admitted private-school accounts. We do not use this page to feature high-risk youth programs the admitted market will not touch.
Risks we actually schedule
- Student injury and the abuse-and-molestation grant a generic nonprofit form may exclude or sublimit into uselessness.
- A historic or older building undervalued for ordinance-or-law rebuild.
- Van, bus, and teacher-driver auto claims, including hired and non-owned.
- Board-level employment, admission, and tuition-refund disputes.
Frequently asked questions
We operate under a church. Can we stay on the church policy?
Sometimes, if the school is scheduled as a school and the abuse, auto, and student exposures are actually granted. A silent “and school” on a church form is how claims fall through. We will say if the church form is enough.
Do you write public districts?
Not from this page. Public districts are a different placement. Independent and private K-12 are the class here.
Teachers drive students to games in their own cars. Is that covered?
Not on a personal auto policy the way you hope. You need hired and non-owned, a written rule, and preferably a school van. Tell us the truth so we can price the exposure instead of discovering it in a claim.
Related coverage, industries, and locations
Commercial Property
Buildings, inventory, equipment, and business income when fire, theft, wind, or water shut you down.
Coverage detailsGeneral Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Coverage detailsManagement Liability
Directors and officers, employment-practices, fiduciary, and employee-benefits liability on one conversation.
Coverage detailsProfessional Liability
Errors-and-omissions coverage when advice, design, or a professional service is alleged to have caused a financial loss.
Coverage detailsAssociation
Trade, professional, and civic nonprofits: D&O, general liability, event certificates, and the office that is not a church.
Industry pageChurch and Religious Organization
Houses of worship: property, premises, counseling professional, and religious D&O — written as a ministry, not an office.
Industry pageMuseum
Collections, visitors, and a building that is often older than the town — written as a museum, not a generic nonprofit office.
Industry pageWashington
Licensed commercial insurance broker serving Washington.
State page