Charter schools have specific insurance requirements to meet given to them by the state which they reside. They need a unique and wide variety of coverages for various risks.

The coverages that are required for charters schools are:

Abuse and Molestation Coverage: Provides defense and indemnity protection against claims coming from allegations of abuse or molestation.

Directors and Officers Coverage: Provides financial protection for the directors and officers in the event they are sued because of their professional performance.

Educators Errors and Omission Insurance: Protects from claims arising from the failure to perform your duties that results in damage to another party.


Employee Benefits Liability: Coverage for wrongful acts committed in the administration of an employee benefits program.

General Liability: Coverage when negligent acts or omissions result in bodily injury or property damage on the premises of the school

Property Insurance: Protects against most risks to a property, such as fire or theft.

Workers Compensation: Provides compensation and medical care for employees who are injured on the job. 

Some additional coverages you can add on are:

Business Income: Coverage that pays for loss of earnings or income when business operations are interrupted due to a property loss as a result of an insured cause of loss.

Fidelity/ Crime Insurance: Protects from loss of money, securities or inventory resulting from a crime.

Identity Theft Coverage: Provides the consumer with assistance to guide them through the process of restoring and protecting your identity. 

Cyber Liability: Protection against first- and third-party losses associated with the cyber attacks and data breaches.


Student Accident Insurance: Coverage designed to protect schools from financial loss due to legal action and direct medical costs.

Tuition Fees Insurance: Covers for loss of tuition and room and board fees when school is suspended because of the occurrence of a peril. 

Umbrella: Protects the assets and future income of the policy holder beyond the standard limits of their primary policy. 

Whether It Is Just To Inquire About Our Agency Or Looking For Guidance...