Commercial / Education

Michigan School & Educational Insurance

Educational organizations are responsible for children and the people who teach them — a combination of exposures few businesses face. Michigan school and educational insurance brings property, liability, abuse, professional, and board coverage into one program built for how schools and programs operate.

What we do for school & educational insurance clients

• Coverage built for education — property and liability plus the abuse, educators' professional, and D&O coverages a generic policy leaves out.
• Protect students and staff — abuse and molestation coverage and student-accident options for the children in your care.
• Right-sized for your program — private schools, daycares, preschools, and tutoring centers each get coverage that fits.
• Multi-carrier shopping — we compare education and human-services markets for the best program.

Organizations we cover

Private and charter schools, daycares and childcare centers, preschools and Montessori programs, tutoring and enrichment centers, trade and vocational schools, and educational nonprofits across Michigan.

What educational insurance covers

• Property — buildings, classrooms, equipment, and contents.
• General / premises liability — injury and damage claims on school grounds.
• Abuse and molestation — claims involving students — a critical coverage.
• Educators' professional liability — claims tied to teaching and educational decisions.
• Directors and officers (D&O) — claims against the board and administration.

Common questions

What insurance does a school or daycare need in Michigan?

Typically property, general liability, abuse and molestation coverage, educators' professional liability, directors and officers (D&O), workers comp, and often student-accident coverage. Childcare and licensing requirements may add more. We build the program around your program.

Why do schools and daycares need abuse and molestation coverage?

Because organizations responsible for children face serious abuse-allegation exposure, and standard liability often excludes or sublimits it. Dedicated abuse and molestation coverage — with proper limits and screening practices — is considered essential for any school or childcare program.

What is educators' professional liability?

It covers claims arising from educational duties and decisions — things general liability doesn't, like a claim over how a student was taught, disciplined, or accommodated. Schools and education programs carry this professional exposure alongside their physical-risk exposure.

How much does school or daycare insurance cost in Michigan?

It depends on enrollment, ages served, property values, activities, and your program type. Because we're independent, we shop the education and human-services markets to match the right coverage to your organization at a fair price.