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Education professionals are faced with a number of different situations on a daily basis that require them to have certain types of business insurance to ensure their safety.

Especially in today’s age, teachers and professors are often subject to many false claims and placed in liability situations by young, naive students that don’t fully understand the consequences.

By having the proper business insurance, education professionals can have peace of mind about these situations as well as standard protection in the event of an injury or illness. When you know you are covered as an educator, it gives you the ability to focus your attention more on the education of your students and their overall well-being.

Our team of professional commercial insurance brokers at Prime Insurance Market understand the difficulties that education professionals face in terms of finding the right business insurance coverage at a price that fits in their tight budget. As we partner with some of the top insurance companies in the area, we are able to compare commercial insurance policies to provide you with the best option for your specific situation and needs. Contact us today to get started!  

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Educational Businesses That Need Insurance

  • Preschools
  • Kindergartens
  • Elementary Schools
  • High Schools
  • Secondary Schools
  • Private Schools
  • Charter Schools
  • Colleges
  • Universities
  • Vocational Schools
  • Music Schools
  • Nursing Schools
  • Cosmetology Schools
  • IT Schools

The 5 Major Coverage Types

General Liability Insurance

Every educational business should have general liability insurance, whether it be a part of a Business Owner’s Policy or a stand-alone policy. These policies offer your business a general coverage to assist in events that your business or employees are held liable for, such as injuries or damages as well as additional costs that may accompany them.

Within educational businesses such as schools and universities, many hazards are present that could lead to such events. From young children getting hurt on the playground to science experiments gone wrong, your business may be found responsible for the medical bills and other costs that may come from these bodily injuries. In regards to damage to property, if an educator is found liable for the damage of student property, general liability insurance can also assist in repairing or replacing the item. Contact Prime Insurance Market today to learn more about the right general liability insurance for your educational business!

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Professional Liability Insurance

It is more common than you may think for students or parents to sue schools or educators for different reasons. One being the success of a student or rather the lack thereof. It is easy to make a claim against an education professional that they did not do everything that they could or should have to help a student succeed. Whether it be true or not, your business or educators are left with the costs to fight the claim. However, the proper professional liability insurance will assist in situations like this to help protect both your business and your staff.

Another area that professional liability coverage is needed within the education system is with school nurses. Much like any healthcare setting, mistakes and errors can occur that could lead to the harm of a student. For example, if a student has an allergic reaction to a certain medication that was given after the allergy was overlooked in their records, the school nurse is liable. Contact our team of experienced insurance brokers today for more information on professional liability coverage!

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Commercial Property Insurance

Most educational businesses rely on a building to operate out of. No matter what level of education you are providing, how many students you have, or if you own or rent the building, you need commercial property insurance. This insurance coverage is there to protect you in the event of damage to the land or building itself, as well as items found within it.

From fires or flooding to theft or vandalism, you must prepare for anything and everything that your business may face to ensure it’s financial stability. While a single stolen computer may be affordable to replace or manage without, a fire that takes everything may be the end of your educational business as it would be nearly impossible to recover without proper commercial property insurance to assist with the numerous costs of reestablishing. Don’t risk the loss of everything you have worked hard to build. Contact Prime Insurance Market today to find the right commercial property insurance to fit your needs!

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Commercial Automobile Insurance

Commercial automobile insurance is another area of obvious need for educational businesses, especially those that have bus services. When out on the road, anything can happen! Ensure that your business has the insurance coverage needed to assist in any damage done to the school’s buses or vans, as well as those done to other vehicles when your driver is at fault.

For educational businesses that have parents or other volunteers drive their own vehicles for field trips or other school events, make sure to choose a commercial automobile policy that covers them as well in case an accident occurs. The last thing you want is to place that financial burden on them or risk a lawsuit against your school in certain circumstances due to lack of coverage. Contact us today for all your commercial automobile insurance needs!

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Workers’ Compensation Insurance

Education professionals, like most employees, are at risk of injury while at work. For these situations, you will want to ensure that your business has the proper workers’ compensation insurance to assist in medical bills and missed wages in some cases. While this coverage is required for most businesses that employ multiple people, it is the least you can do to give your employees peace of mind when completing their day to day tasks.

Some possible injuries include an employee slipping and falling or taking a hit while trying to break-up a fight amongst students. No matter how your employee is injured or how severe it is, they deserve to know that they are covered under your business’ workers’ compensation policy. At Prime Insurance Market, we are dedicated to finding you the best workers’ compensation insurance for your educational business. Contact us today to get started!

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Additional Coverage Types

Depending on the exact make-up of your school or institute, you may need to look into some additional insurance coverage to ensure that you and your staff are fully protected. Below we have provided some of the common areas that you may need to consider adding coverage. If you need help identifying the exact insurance needs of your business, contact our team of experienced commercial insurance brokers at Prime Insurance Market in Alpharetta today!

If your school is not able to operate properly due to property damage or disaster, business income insurance may be able to assist in terms of lost income due to the disruption of normal operation.

From storing personal student information to using online software for students to turn in work and post grades, cyber liability insurance may be needed to protect your school in the event of a data breach.

With the numerous areas of liability that an educational business may face, commercial umbrella liability insurance may be needed to increase the coverage amount of your standard liability policy.

While different from all the other insurance types we have mentioned, be sure that you are offering your educators and other employees the benefit coverages they need to live happily and healthily.

Education Professionals That Need Coverage

Teachers

Teacher Aides

Professors

Secretaries

Administrators

Counselors

Advisors

School Nurses

Bus Drivers

Coaches

AND MANY MORE!

Prime Insurance Market

Having the proper business insurance coverage for both your school and education professionals will help you create not only a great place to work, but it will help your business stay financially stable when faced with trials. At Prime Insurance Market, we know that choosing the right insurance coverage can be overwhelming, especially when attempting to find policies that fit your budget.

Our team of experienced commercial insurance brokers are dedicated to understanding and identifying your specific insurance needs so that we can help you in every way possible. Once your needs are identified, we compare quotes from the top education-specific insurance companies in the Alpharetta area to find you the right coverage at the right price! Contact our team today to get started!

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