Coverage built for K-12 schools
We help private schools, faith-based schools, charter schools, and independent schools protect students, staff, facilities, and operations with thoughtful coverage, responsive service, and long-term partnership.
Insurance for K-12 schools
K-12 schools face unique risks that extend far beyond property and liability concerns. From student safety and athletics to transportation, cybersecurity, employment practices, and board governance, school leaders must manage a wide range of exposures while remaining focused on education. Anchor Insurance Agency helps private schools, faith-based schools, charter schools, and independent schools build insurance programs designed to protect their people, property, and mission.
- Property & Facilities Insurance
- Campus Safety & Student Well-Being
- Athletics & Extracurricular Programs
- Cybersecurity & Data Protection
- Leadership & Specialized Coverages
Protecting Your Campus and Learning Environment
Your campus is one of your school's most valuable assets. Property and Facilities coverage helps protect classrooms, administrative offices, libraries, gymnasiums, playgrounds, athletic facilities, and technology infrastructure from covered losses such as fire, severe weather, vandalism, and equipment damage. Coverage can also help protect furniture, educational materials, computers, and other resources that support daily learning and student success.
Protecting Students, Families, and Your School Community
Student safety is one of the most important responsibilities of any educational institution. Student Safety and Liability coverage helps address risks associated with student supervision, visitor injuries, campus activities, and day-to-day school operations. Whether an incident occurs during the school day, on school grounds, or during a school-sponsored event, proper coverage can help protect your institution and provide peace of mind.
Protecting Opportunities Beyond the Classroom
Athletics, clubs, field trips, performing arts, after-school programs, and special events help shape the student experience, but they also create unique risk exposures. Coverage designed for extracurricular activities helps schools manage potential liabilities while continuing to offer meaningful opportunities for growth, leadership, and engagement.
Protecting Sensitive Student and School Information
Schools collect and store significant amounts of sensitive information, including student records, financial data, employee information, and family contact details. Cybersecurity and Data Protection coverage helps schools respond to ransomware attacks, phishing attempts, data breaches, and other cyber threats that can disrupt operations and damage trust within the school community.
Protecting School Leadership and Long-Term Stability
Many schools require specialized coverage beyond standard property and liability policies. Depending on your operations, this may include employment practices liability, directors and officers liability, abuse and molestation coverage, workers' compensation, transportation-related exposures, crime coverage, and other protections designed to support the long-term health of your institution.
Property & Facilities Insurance
Your campus is one of your school's most valuable assets. Property and Facilities coverage helps protect classrooms, administrative offices, libraries, gymnasiums, playgrounds, athletic facilities, and technology infrastructure from covered losses such as fire, severe weather, vandalism, and equipment damage. Coverage can also help protect furniture, educational materials, computers, and other resources that support daily learning and student success.
Campus Safety & Student Well-Being
Student safety is one of the most important responsibilities of any educational institution. Student Safety and Liability coverage helps address risks associated with student supervision, visitor injuries, campus activities, and day-to-day school operations. Whether an incident occurs during the school day, on school grounds, or during a school-sponsored event, proper coverage can help protect your institution and provide peace of mind.
Athletics & Extracurricular Programs
Athletics, clubs, field trips, performing arts, after-school programs, and special events help shape the student experience, but they also create unique risk exposures. Coverage designed for extracurricular activities helps schools manage potential liabilities while continuing to offer meaningful opportunities for growth, leadership, and engagement.
Cybersecurity & Data Protection
Schools collect and store significant amounts of sensitive information, including student records, financial data, employee information, and family contact details. Cybersecurity and Data Protection coverage helps schools respond to ransomware attacks, phishing attempts, data breaches, and other cyber threats that can disrupt operations and damage trust within the school community.
Leadership & Specialized Coverages
Many schools require specialized coverage beyond standard property and liability policies. Depending on your operations, this may include employment practices liability, directors and officers liability, abuse and molestation coverage, workers' compensation, transportation-related exposures, crime coverage, and other protections designed to support the long-term health of your institution.
How we protect you
Insurance works best when it's built around your actual needs. We listen, assess, and deliver coverage that fits.
Risk Assessment
Tailored to your school, we review your facilities, athletics, staffing, and student programs to identify your specific risks.
Carrier Access
We compare options across carriers that understand K-12 specific risks and coverage needs.
Custom Policies
One size never fits all. We build coverage that addresses your specific risks and budget constraints.
Ongoing Support
As your school expands and changes, we are available adjust your coverage so it continues to fit.
Request a school coverage review
Get a personalized quote and risk assessment from our team. We'll show you what proper coverage looks like.
Built on a foundation of results
Our agents spend time understanding your operations, exposures, and concerns before recommending coverage.
Years of experience
Decades of experience protecting misson-driven organizations.
Clients
Local presence with nationwide reach and resources
★★★★★
Kind words
The staff always goes above and beyond. Every interaction has always been positive and I would highly recommend them! - Kelly H.
Premium Carriers. Personalized Coverage.
Questions
Clear answers to questions about K-12 school insurance.
What insurance does a private school need?
Private schools often require a combination of property insurance, general liability insurance, student accident coverage, cyber liability insurance, employment practices liability, directors and officers liability, workers' compensation, and abuse and molestation coverage. Coverage needs vary based on enrollment, facilities, athletics, transportation, and extracurricular programs.
Does school insurance cover student injuries?
Coverage depends on the policy and circumstances surrounding the incident. Many schools carry liability and student accident coverage designed to help address injuries that occur during school-sponsored activities, athletics, or events.
Why do schools need cyber liability insurance?
Schools store sensitive student, employee, and financial information that can be targeted by cybercriminals. Cyber liability insurance can help schools respond to data breaches, ransomware attacks, phishing incidents, and other cybersecurity events.
Does school insurance cover athletics and extracurricular activities?
Many school insurance programs include coverage options designed for athletics, clubs, field trips, after-school programs, and special events. Coverage should be reviewed regularly to ensure it reflects the school's current activities and risk exposures.
What is abuse and molestation coverage for schools?
Abuse and molestation coverage is designed to help protect schools against claims involving alleged abuse or misconduct. It is often considered an important component of a comprehensive risk management and insurance program for educational institutions.
What factors affect the cost of school insurance?
Insurance costs can be influenced by enrollment, campus size, property values, athletic programs, transportation operations, claims history, cybersecurity controls, staffing levels, and the types of programs offered by the school.
How often should a school review its insurance coverage?
Schools should review coverage annually and whenever significant changes occur, such as facility expansions, enrollment growth, new athletic programs, transportation changes, or technology upgrades.
Get your quote today
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