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Flood Insurance

provided through the US government’s National Flood Insurance Program. This insurance is the only way to protect yourself against rising water damaging your property.


Employment Practices Liability Insurance

is the only way to insure your school against employee claims of wrongful termination, wrongful hiring, wage and hour violations, sexual harassment, etc.


Ordinance or Law protection

helps you tear down and rebuild the undamaged portion of your building if your local ordinances require the entire building be re-built. For example, if your local ordinances requires a building that is 75% damaged to be completely rebuilt, insurance will not pay for the demolition or the rebuilding of the 25% undamaged portion without this protection. It is important to know what types of losses are covered or excluded by your insurance policy. No policy will cover every type of loss. Consult with your insurance agent to understand your policy.

Workers Comp
Covers Your Employees When They Are Injured 
It Is Required By Law



Each state requires this coverage based on a specific number of employees. If you have fewer employees than the state mandate AND you don’t buy the workers comp insurance you are legally liable for the injury. No other insurance will pay these claims.

Workers comp insurance will pay for employees medical bills, lost wages and a death benefit if an employee is injured in the course of work. It is important to know what types of losses are covered or excluded by your insurance policy. No policy will cover every type of loss. Consult with your insurance agent to understand your policy.

Auto Insurance
Buses and Vans




The two main components of auto insurance are liability and the vehicle itself. The liability protects your school against claims related to people’s physical injuries and the damage done to people’s property. Damage to the vehicle itself can be the result of an accident or the result of hurricanes, car fires, trees falling on the vehicle…

Personal auto insurance will not protect a school that is transporting children. The personal policy will specifically exclude passenger transportation in a business setting. It is important to know what types of losses are covered or excluded by your insurance policy. No policy will cover every type of loss. Consult with your insurance agent to understand your policy.

Student Accident
Pays for Kids Injuries Even When You Did Nothing Wrong




Kids can get hurt even if you did nothing to cause their accident. Parents want their kids’ medical bills paid if they are hurt at your school. This insurance provides the goodwill of paying those medical bills.

It is important to know what types of losses are covered or excluded by your insurance policy. No policy will cover every type of loss. Consult with your insurance agent to understand your policy.
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Please be advised that information contained in this site may be dated. No insurance coverage can be bound, deleted, modified or in any other manner effected through this website. Complete information regarding coverage and exclusions can be found in policy documents. The information contained in this website is summary in nature.