Running a Christian school means balancing academic excellence with faith formation—all while managing the operational risks that come with educating children. MinistrySure is a Georgia-based independent insurance agency that specializes in coverage for Christian and private schools, from church-sponsored academies to large independent K-12 institutions.
Many of the Christian schools we serve in Georgia operate under the umbrella of a sponsoring church. We understand how to coordinate coverage between church and school operations so you’re fully protected without paying for duplicate policies.
Christian schools face risks that general commercial policies don’t adequately address. Here are the core coverage types Georgia schools typically need:
Protect your school buildings, classrooms, administrative offices, gyms, playgrounds, and equipment from fire, storms, theft, and vandalism. Georgia’s severe weather—hail, tornadoes, lightning, and flooding in some areas—makes adequate property coverage essential. We’ll help you establish accurate replacement cost values for older buildings that may be underinsured.
Covers accidents that occur on school property or during school-sponsored activities. Playground injuries, slip-and-fall incidents, and property damage claims are common exposures. General liability is foundational coverage no school should operate without.
Protects teachers, administrators, and board members against claims of negligent instruction, failure to educate, improper discipline, or educational malpractice. If a parent sues claiming their child didn’t receive appropriate services or accommodations, this coverage responds.
Covers medical expenses when students are injured during school activities, regardless of fault. This fills gaps in families’ personal health insurance and reduces the likelihood of liability claims against the school.
If your school has sports programs, you need coverage for athletic injuries, sports equipment, and travel to competitions. Football, basketball, cheerleading, and other contact sports carry higher risk profiles that standard policies may exclude or limit.
Protects against claims of sexual misconduct or abuse by staff, volunteers, or students. Coverage includes legal defense and settlements. Most carriers require schools to maintain prevention policies—background checks, supervision protocols, reporting procedures—which we help you implement.
If your school operates buses, vans, or other vehicles for transportation, field trips, or athletics, you need commercial auto coverage. Personal auto policies and church policies typically exclude vehicles used for school purposes.
Protect student records, financial data, and administrative systems from data breaches, ransomware, and cyber attacks. Schools maintain sensitive information about minors, making them attractive targets for cybercriminals.
Required in Georgia for schools with employees. Covers medical expenses and lost wages when teachers, administrators, coaches, or support staff are injured on the job.
Many Christian schools in Georgia operate as ministries of local churches. This creates unique insurance considerations:
Shared facilities — If your school uses church buildings for classrooms, gyms, or cafeterias, coverage must address both entities’ exposures without gaps or overlaps.
Coordinated policies — Some church-school combinations work best with a single policy covering both operations; others need separate policies with proper coordination. The right approach depends on your legal structure, facility arrangements, and risk profile.
Unified risk management — Background checks, safety protocols, and incident reporting should be consistent across church and school operations. We help you develop unified policies that satisfy both insurance requirements and best practices.
If your church sponsors the school, we’ll ensure both ministries are properly protected. Schools that also operate summer camps or partner with the church’s youth ministry programs need additional coordination we’re experienced in providing.
For schools offering post-secondary programs or dual enrollment, we can also coordinate with college and university coverage.
Local Expertise — We’re based in Loganville and serve Christian schools across Georgia. We understand Georgia’s regulatory environment, weather risks, and the specific challenges facing faith-based education in our state.
Ministry-Focused Carriers — Ministry-Focused Carriers — We work with insurance companies that specialize in Christian schools, including Brotherhood Mutual and other faith-based carriers. These insurers understand religious education and won’t penalize you for teaching biblical values or maintaining conduct standards.
Risk Management Resources — Beyond policies, we provide resources to help your school reduce risk: safety assessments, policy templates, supervision guidelines, and training recommendations.
Claims Advocacy — When incidents occur, we advocate on your behalf with the insurance company. You focus on your students; we handle the insurance process.
Insurance costs for Christian schools vary based on enrollment, building values, programs offered, and claims history. A small church-sponsored school with 50-100 students might pay $8,000-$15,000 annually for a comprehensive package. Mid-sized schools with 200-400 students typically pay $15,000-$35,000. Larger schools with extensive athletic programs, multiple buildings, or transportation fleets can pay $50,000 or more. Schools with strong safety records and risk management programs often qualify for lower rates.
Typically, no—at least not adequately. Church policies are designed for worship services, fellowship activities, and general ministry operations. Schools have unique exposures (educators liability, student accident, athletic coverage, mandatory reporting requirements) that church policies don't include. Some schools add endorsements to the church policy; others maintain separate coverage. We specialize in helping Georgia churches with schools structure coverage that protects both operations appropriately.
Ready to review your school’s coverage? Schedule a call with a MinistrySure advisor. We’ll discuss your school’s enrollment, facilities, programs, and relationship with your sponsoring church—then find the right coverage from carriers that understand Christian education.