Where are the gaps in your Christian school's insurance?
And is your school prepared for your next policy renewal?
A Georgia Christian school insurance review audits building replacement costs, educators legal liability, student accident medical, standalone abuse limits, 15-passenger van fleets, workers' compensation, and cyber tuition fraud. This 10-question check scores your school's current renewal readiness in two minutes and produces a personalized board-ready report.
Free. No email required to start. ~2 minutes.
The 10 questions in this school coverage check
MinistrySure's Christian school coverage check reviews ten vital areas across campus property, educators legal liability, student athletic safety, abuse limits, student transportation, faculty employment practices, and cyber wire fraud. You can run the interactive check above, or review the ten questions below.
- Property Replacement Cost. Are your school buildings insured for what it would cost to rebuild them at today's Georgia construction prices — and on a true Replacement Cost basis?
- Educators Legal Liability. Does your school carry dedicated Educators Legal Liability (ELL) to defend administrative decisions like student expulsion, disciplinary actions, or special education accommodation disputes?
- Defense Costs Outside Limits. Are legal defense costs for school liability claims paid outside the policy limits, or do attorney fees erode the dollars available to settle a claim?
- Student Accident Medical. Does your school carry dedicated Student Accident Medical coverage that pays student injury medical bills directly, without requiring parents to prove school negligence?
- Athletic Participant Coverage. Does your liability coverage explicitly include interscholastic athletics and contact sports without athletic participant injury exclusions?
- Abuse & Molestation Limits. Does your sexual abuse and misconduct coverage carry its own standalone dollar limit ($1M+), separate from your general liability limit and not capped by a lower ceiling?
- Vehicle Fleets & 15-Passenger Vans. Are all school-owned activity buses and 15-passenger vans scheduled on your auto policy and approved under carrier underwriting guidelines?
- Hired & Non-Owned Auto. Does your policy include Hired and Non-Owned Auto (HNOA) coverage protecting the school when teachers, coaches, or parents drive students in personal vehicles?
- Workers' Comp & Faculty EPLI. Does your school maintain active Georgia Workers' Compensation (mandatory for 3+ employees) plus Employment Practices Liability Insurance (EPLI) for faculty disputes?
- Cyber & Tuition Wire Fraud. Does your cyber liability policy cover social engineering and fraudulent wire instructions, protecting against tuition redirection and vendor payment scams?
Prefer a written walkthrough? Read our 2026 school coverage checklist guide or request a personalized coverage review.
One last step
Where should we send your school report? It's a PDF: your ten answers, the questions you couldn't answer yet, and the exact questions to bring to your agent.
Frequently asked questions about school insurance audits
Why do Georgia Christian schools need a separate insurance checklist from churches? +
Christian schools face operational exposures that a standard church policy never contemplates: daily student supervision, classroom discipline decisions, faculty employment disputes, high-contact sports injuries, student transportation in activity vans, and tuition-wire transactions. Relying solely on a church package leaves the school board and budget severely exposed.
What is educators legal liability (ELL) and why is general liability not enough? +
General liability only responds to physical bodily injury and property damage. If a parent sues over wrongful expulsion, failure to educate, discrimination in admissions, or special education accommodation disputes, general liability denies the claim. Dedicated educators legal liability covers administrative and academic decisions made by faculty and trustees.
How does student accident medical insurance protect a Christian school? +
Student accident medical coverage pays out-of-pocket medical bills immediately for classroom, playground, or sports injuries regardless of fault. By covering family deductibles and co-pays directly, it preserves goodwill between parents and administration, keeping minor physical injuries from escalating into contentious liability lawsuits against the school.
What are the two structural tests for Christian school abuse coverage? +
First, verify the abuse and molestation coverage carries its own standalone aggregate limit rather than sharing the general liability limit or carrying a small $50K–$100K sub-limit. Second, verify defense legal costs are paid outside the limit so attorney fees during an investigation do not erode the funds available for settlement.
What documents should a school business manager gather for an insurance review? +
Gather current insurance declaration pages for all policies, a 5-year carrier loss history report, property appraisals showing total insured building values, student and faculty headcount by division, vehicle schedules including 15-passenger vans, and outside facility-use rental agreements.