Insurance options for education establishments

Nursery - business insurance

Education establishments typically require several types of insurance cover to protect the students, staff, property, and operations. The specific insurance needs of each education places may vary depending on factors such as the size of the institution, location, activities offered, and local regulations. 

  • We can evaluate your current covers and policy limits
  • Recommend covers to adequately protect your business
  • Compare quotes from multiple insurance companies
  • Advice on cost-saving strategies
  • Provide ongoing support


  • Schools: This includes primary schools, secondary schools, and independent/private schools.
  • Colleges and Universities
  • Day care Centres and Preschools
  • Tutoring Centers and Private Instructors
  • Online Education Providers
  • Educational Consultants and Advisers
  • Language Schools and Training Centers.
  • Non-profit Educational Organisations
  • Special Education Providers

insurance options for education establishment:

Professional Indemnity Insurance

This cover protects teachers, administrators, and other school staff from legal claims alleging professional negligence or errors in their educational services. It helps cover defence costs, settlements, or judgments in such claims.

Public Liability Insurance

This insurance provides coverage for bodily injury, property damage, or personal injury claims arising from school activities or premises. It protects against lawsuits from third parties, such as visitors or parents, who may allege negligence or accidents on school property.

Employers Liability Insurance

This insurance is required by law and provides coverage for employees who suffer work-related injuries or illnesses. It covers medical expenses, rehabilitation costs, and a portion of lost wages for employees injured on the job.

Property Insurance

Property insurance covers damage or loss to the school’s buildings, equipment, supplies, and other physical assets. It can protect against risks like fire, theft, vandalism, or natural disasters. It’s important to ensure that the policy covers all the necessary property, including buildings, contents, and specialised equipment.

Commercial vehicles insurance

If the school operates a fleet of buses to transport students or commercial vehicles, specialised insurance is needed to cover accidents, injuries, or property damage related to those vehicles.

Student Accident Insurance

This insurance provides cover for medical expenses in the event of student accidents or injuries that occur during school-sponsored activities, including sports events, field trips, or other extracurricular activities.

Cyber Liability Insurance

If establishments handling sensitive data, including personal information of members or participants. Cyber liability insurance safeguards against data breaches, cyber attacks, or other cyber security incidents. It helps cover costs associated with data recovery, legal fees, notification to affected parties, and potential liability claims.

Directors and Officers Insurance

For boards of trustees or directors overseeing educational institutions, this insurance can protect individuals from personal liability in cases of alleged mismanagement or negligence.

Legal Expenses Insurance

This insurance can help cover legal costs for various situations, such as employment disputes, contract disputes, or challenges to educational policies.

Your insurance needs may vary depending on your business structure, and location.
Contact us to assess your specific needs and allow us to find suitable cover options for your business.

Contact us