School Liability Insurance

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

School Liability Insurance

If you’re an insurance producer looking to write more business and provide school liability insurance solutions to your clients, then Prime Insurance Company is the partner for you. As an excess and surplus lines insurance company, Prime can confidently write liability insurance for schools. 

We can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. Prime can write insurance policies for all types of schools, public and private, for any age group. Whether your client has built a new school or if the school has been around for more than 20 years, we can write a customized insurance policy to fit their needs. 

With more than 40 years of experience, Prime has insured many schools —resulting in a proven track record of knowledge in insurance coverage, mitigating risk, and providing superior claims services. Many school insurance companies are tightening their guidelines and dropping entire classes of businesses. Queue Prime Insurance Company – an insurance company unlike any other that provides options and solutions for specialty liability risks where few others would.

Nature of Business
(who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients of the following:

  • Schools
    • Preschools
    • K-12
    • Universities
  • School Staff
    • Teachers
    • Principals
    • Other School Staff
  • School Buses
  • And More

Coverages (listed A-Z)

  • Active Shooter Liability
  • Alleged Assault and Batter Liability
  • Alleged Sexual Abuse and Molestation Liability
  • Animal Liability
  • Commercial Auto (available in most states)
  • Commercial General Liability
  • Communicable Disease Liability
  • Directors and Officers (D&O)
  • Employment Practices Liability Insurance (EPLI)
  • Equipment Coverage
  • Personal Liability
  • Premises Liability
  • Professional Liability
  • Property Coverage
  • Riot and Civil Commotion Liability Coverage
  • Special Events Liability
  • TRU Umbrella / Excess Liability
  • And more

More Information About School Liability Insurance

Why Choose Prime As Your Insurance Partner For School Insurance?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. School insurance is our expertise! 

In-House Teams

We have it all – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

School Liability Insurance Providers vs. Prime

Looking for the best school liability insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.

Prime is here to help any school in need of liability insurance. We will listen to you and your client to find out what is needed and then we can put together a customized policy to help provide peace of mind.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient school liability insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you.

The Unique Risks and Why Your Clients Need School Liability Insurance

There could be many reasons why your client(s) need school liability insurance from an excess and surplus lines insurance company. Here are a few common reasons:

  • Your client has been declined, canceled, or non-renewed by another insurance company
  • Your client was dropped coverage due to too many claims
  • Your client is in a high-risk area due to high crime rates, weather storms, etc.


A unique risk that schools have is the possibility of an active shooting incident. Statista reports that “as of December 2021, there were 249 school shootings in total in the United States. This was the highest number of school shootings since 1970. Of these incidents, only nine were active shooter incidents. The largest number of active shooter incidents in schools was in 2018, with 11 active shooters.”  The pandemic has helped slow down the number of school shootings a little bit but relatively speaking the number of active shooters at schools are still quite high.

As a result, schools are hiring security guards and taking other security measures to help protect their students and staff from active shooters. Security guards and even teachers, at some schools, are armed with a firearm. This poses more risk, creating a need for coverage in the event of an accident or incident such as an accidental discharge. Prime can also write active shooter liability coverage as part of the school liability insurance policy.

Every school is different and has different needs. Prime has flexible underwriting and a partnership approach to understand what those needs are to provide maximum protection.

About Prime Insurance Company

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see for latest ratings
**The most current Financial Stability Rating® must be verified by visiting

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.