Trust. Commitment. Execution. XINSURANCE ensures that each school receives the focused liability protection it deserves.
As your insurance partner, we’re here to offer customized insurance solutions, risk management strategies, and dedicated support when an insurance claim occurs.
The Importance of Liability Insurance for Schools
Private and public schools have unique risks that result in the need for liability insurance. These risks include the building property, staff, students, school buses, and much more. Unfortunately, active shootings are on the rise and schools are a common target. Specialty liability coverage is a necessity for any school and we are here to provide customized insurance solutions for schools to fulfill that need.
Your school could choose to get cheap insurance but you will later find out that when an accident, incident, or claim occurs, you aren’t truly covered and instead you end up paying more out of pocket. It is wise to go with a tried and tested insurance solution from XINSURANCE that actually covers you! We act as your insurance partner, ready to help out when things go wrong. Get a quote today!
Types of Business
- Public Schools
- Private Schools
- Charter Schools
- Administrative Staff
- Teachers
- Board Members & Officers
- Volunteers
- Magnet Schools
- Boarding Schools
- Montessori Schools
- Waldorf Schools
- Special Education Schools
- Homeschools
- Vocational & Technical Schools
- School Bus Drivers
- School Security Guards
- And More!
What Insurance Coverages Do Schools Need?
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Firearms Liability*
Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.
*Available in most states
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Riot and Civil Commotion Liability
Liability protection against claims made from a riot or civil commotion.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Insurance for Schools
What is liability insurance for schools?
Liability insurance for schools protects against financial losses from legal claims related to accidents, injuries, or property damage on school premises. It covers legal costs and settlements up to policy limits and includes various coverages for different risks, from general accidents to professional misconduct. This insurance helps schools manage unforeseen legal expenses and continue their educational mission.
Does the school’s insurance cover injuries sustained on school property?
General liability insurance typically covers such injuries, but specifics can vary based on the policy.
Are volunteers at the school covered under the school’s insurance?
We can provide liability coverage solutions for volunteers as long as they are scheduled on your policy.
How does a school handle insurance for sports and extracurricular activities?
Sports and extracurricular activities can be covered under XINSURANCE’s insurance solutions, they just need to be scheduled on your policy.
Are school board members personally liable for their decisions?
School board members can be held personally liable, which is why it’s essential for them to be covered by Directors and Officers (D&O) Liability Insurance.
What can be done about active shootings occurring at schools?
School shootings are a common reason why schools come to us for liability insurance solutions. It is very sad to report that school shootings were at an all-time high in 2021 with 222 school shootings and that’s over 100 more school shootings in 2021 than in 2019 or 2018 which are respectively the second-and third-worst years on record.
It is important for students and staff, and everyone else, to learn the signs of a gun-related attack so we can help prevent active shootings from happening. The Sandy Hook Promise organization said that in almost every documented case of active shooters, warning signs were given or shown.
We can help with active shooter liability coverage and we are able to provide risk management tips to help prevent any shooting incident from occurring at your school.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does school liability insurance cost?
Several factors influence the cost of a school insurance policy, including the size and location of the school, the type of coverage needed, the claims history, the facilities and equipment being used, staffing levels, student activities, and more.
It’s best to contact us and tell us more about your insurance needs so we can provide a personalized quote.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team for Tackling the Unexpected
Fighting for You Is What We Do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements Are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all.” Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All in One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Professional Liability
We provide professional liability insurance solutions that can include coverage for negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, claims from past services, and more.
Buses
We provide bus insurance solutions for all types of buses including school buses, party buses, tour buses, charter buses, commercial buses, and much more.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
