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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.

With XINSURANCE, you can have an all-in-one policy that provides customized coverages built into one policy! We can fill the gaps and cover the exclusions in your existing insurance policy that other insurance companies can’t or won’t provide. Whatever you need, we can help to find the best insurance solution for you!

school insurance
school insurance


Who Should Have 'Insurance For Schools'?

XINSURANCE provides customized liability insurance solutions for schools in the United States. We can help the following:

  • Private Schools
  • Public Schools
  • College Campuses
  • K-12 Schools
  • Preschools
  • School Property Owners
  • Principals and Teachers
  • School Security Guards
  • School Bus Drivers
  • And more!

What Coverages Are Available with Insurance for Schools?

We have an all-in-one approach for private and public school insurance that can provide all coverages under one policy. If you have gaps and exclusions in your current policy, we can cover those as well. Examples include:

  • Active shooter liability: Liability protection in the event of an active shooting taking place at company property.
  • 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.
  • Commercial auto (available in most states): Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for school purposes.
  • Commercial general liability: Provides coverage for injuries and property damage sustained by third parties.
  • Communicable disease liability: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.
  • Directors and officers (D&O): Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization.
  • Equipment coverage: Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
  • Firearms liability (available in most states): Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use.
  • Individual/Personal liability: Personal liability protection in the event of an accident and a claim is made against you.
  • 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.
  • Property coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
  • Riot and civil commotion liability coverage: 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.
  • Tru Umbrella: Additional coverage to fill the gaps and exclusions in your existing policy.
  • And more: We provide customized coverage so let us know everything you want to have covered and we can find a policy that suits your needs!

Please note that we do not provide workers’ compensation.

Active Shootings and 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 occuring at your school.


XINSURANCE is an insurance partner providing specialty liability insurance solutions, powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We can offer custom solutions despite a claims history or when an individual or school has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE is your partner. You’ll know that when the unexpected occurs, that we are a true partner providing insurance solutions and defending you when a claim is made. We offer customized solutions so not only can we fill the gaps of your primary coverage but we can also provide Tru Umbrella coverage.

Why Should You Choose XINSURANCE for School Liability Insurance?

A lot of insurance policies impose very low limits or exclusions. They may not even cover liability insurance at all. For true peace of mind, you need specialty liability insurance.

We assess your situation to find you the best, comprehensive coverage for your requirements. As specialist brokers, we can even offer solutions to those who have been denied insurance before or those who have a claims history.

From third-party physical injury to third-party property damage and much more, you can be reassured that the coverage solutions you receive from XINSURANCE will be sufficient for your requirements.

How To Get A School Insurance Quote

Get your free school insurance quote today by filling out the form at the top of the page to get started! We would also be happy to review your current coverage to identify gaps and exclusions that could leave you vulnerable – it’s also free and no obligation. Get started today!

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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