Christian School Insurance in Georgia
Coverage built for the risks Christian schools face every day — educators liability, student accidents, athletics, and transportation.
From student accidents to educators legal liability, your school needs protection designed for how schools actually operate — not adapted from a commercial template.
Last updated: February 2026
What coverage does your ministry need?
- Educators Legal Liability
- Student Accident Coverage
- Athletic & Activities Coverage
- Property Protection
- Workers Compensation
- Commercial Auto
- Directors & Officers (D&O)
- Abuse & Molestation
Where does Christian school insurance fall short?
Christian school insurance most often falls short in educators legal liability, student accident coverage, athletics and field trip exposure, and student transportation. Many schools rely on their church's policy, which typically wasn't designed for classroom operations, school-owned vehicles, or the specific claims that arise from educational decisions like discipline and expulsion.
- Educators legal liability. Claims from educational decisions — wrongful expulsion, failure to educate, improper discipline — require dedicated educators coverage, not just general liability.
- Student accidents. When a student is injured during class, PE, or an after-school activity, the school needs coverage that pays the student's medical bills directly. This reduces the chance of a liability claim from the family.
- Athletics and activities. If your school has sports teams, field trips, or overnight events, those create separate exposure categories that need to be specifically addressed in the policy.
- Transportation. Schools that own or lease buses and vans need commercial auto coverage rated for student transportation — not just a church vehicle policy. Brotherhood Mutual provides dedicated commercial auto coverage for ministry vehicles.
- Church vs. school policy gaps. When a school operates under a church's policy, we review both to confirm the school's exposures are actually covered — not just assumed to be.
We review your school's coverage alongside your church's policy — because the gaps between them are where claims happen.
Campus facilities create distinct exposures
Cafeterias, gymnasiums, science labs, and playgrounds each carry specific liability and property risks. Food safety, athletic injuries, and equipment damage need to be addressed in your school's coverage — not assumed under a church umbrella policy.
Athletics and activities
Sports teams, PE classes, and after-school programs need participant accident coverage and specific liability endorsements.
Children's programs
Before- and after-school care, nursery programs, and youth ministry all require abuse and molestation coverage with carriers who understand prevention requirements.
What Christian school leaders say about MinistrySure
“I'm the President of GAPPS — the Georgia Association of Private and Parochial Schools — and MinistrySure is the insurance agency we point our member schools to. Matt Campbell and his team already insure many of our GAPPS member schools and specialize in Christian school coverage. They actually understand how our schools operate. They'll do an honest review of your current policy and tell you straight if something needs to change or if you're already in good shape. I recommend them to any Christian school looking for a knowledgeable agent.”
“I serve as the board treasurer at Horizon Christian School and my career is in the insurance industry. I knew exactly what coverages we needed. Matt took my information, met with our facilities director, and walked the entire campus to understand our needs. All insurance agents should do this type of evaluation prior to quoting policies. He combined our policies, increased limits, and saved us money on areas where we really needed it. We walked through every policy, every limit, every deductible together.”
Related coverage
Schools that operate as part of a church need both policies reviewed together. See our church insurance page, or explore coverage for camps and retreat centers if your school runs summer programs. Learn why a specialist matters for ministry insurance.
Christian school insurance questions answered
What insurance does a Christian school in Georgia need? +
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.
Is educators legal liability the same as general liability? +
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.
Does our church insurance automatically cover our school? +
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.
Michael · Matthew · Gabe
Talk to an agent who understands Christian school insurance.
Let's review your christian schools coverage
A coverage review starts with a conversation about how your ministry actually operates.