Christian & Private School Insurance in Georgia

Christian schools need property, general liability, educators legal liability, student accident, workers' compensation, and commercial auto coverage. Schools with athletics should add athletic participation coverage. If part of a church, policies must avoid coverage gaps between the two.

No. General liability covers bodily injury and property damage claims. Educators legal liability covers claims arising from educational decisions — wrongful expulsion, failure to educate, discrimination allegations, or improper discipline. Christian schools face both types of claims and need both coverages.

Not always. Many church policies exclude school operations or limit coverage for student activities, athletics, and bus transportation. If your school is listed on your church policy, we review it to confirm the school's specific exposures are actually covered — not just assumed to be.

Christian school insurance in Georgia typically costs between $10,000 and $45,000 annually for most campuses, and $45,000 to $100,000+ for large facilities with full athletics complexes and bus fleets. Roughly 85% of premium is driven by building replacement value (TIV), layered with educators legal liability, student accident, and abuse coverage.

Yes — it's one of the most important coverages a school carries. Standard liability excludes abuse and molestation, including negligent-hiring and failure-to-supervise claims against the school. Limits should scale with enrollment and the age of students, and the coverage should pay legal defense outside the limit so the full limit is available for the claim.

Student accident coverage pays medical expenses when a student is injured at school or during school activities — regardless of fault — which heads off many liability disputes with families. Schools with athletics or active PE and recess programs should treat it as essential, often alongside a separate athletic participation policy.

Yes. Directors and officers (D&O) protects the board for governance decisions, and employment practices liability (EPLI) covers claims by staff — wrongful termination, discrimination, or harassment. Schools have more employees than most ministries, which raises employment-claim exposure, so EPLI limits should reflect your headcount.

Often, yes. Many policies require athletic participation coverage for interscholastic or contact sports, which pays for student-athlete injuries and helps manage liability. Travel to games and tournaments also adds transportation exposure that should be reviewed before the season.

Not automatically — extended-care and daycare operations add hours, younger children, and staffing that many base policies don't contemplate, and they raise abuse and supervision exposure in particular. If your school runs these programs, confirm they're scheduled on the policy. See preschool and daycare insurance.

Yes — with three or more employees, Georgia requires workers' compensation, and a school's teachers, aides, and administrative staff all count. It covers job-related injuries to employees and is separate from the student accident coverage that protects pupils.

Owned buses and vans need commercial auto; when staff drive personal or rented vehicles for school trips, hired and non-owned auto fills the gap. Field trips can also raise general liability and student accident exposure, so it's worth confirming off-campus activities are covered before the trip.

Often yes, through a single ministry package — but the school's specific exposures (educators legal liability, student accident, athletics, transportation) must be explicitly scheduled, not assumed. We review church-and-school accounts together to make sure there's no gap between where the church coverage ends and the school's begins.

Educational institution insurance is the package of coverages a school carries beyond a basic liability policy — property, educators legal liability, student accident, abuse and molestation, commercial auto for activity buses, directors and officers, and cyber. A Christian or private school is an educational institution, so it needs coverage built for classrooms and activities, not the worship-focused policy a church alone carries.