Education Insurance
Protecting Students, Staff, and the Future of Learning
Educational institutions carry a profound responsibility—to provide a safe, nurturing environment for students while managing the operational risks of running complex facilities. From classrooms and cafeterias to school buses and athletic fields, the exposures are broad, and the stakes are high.
At Fern Rock Insurance Agency, our Education Practice Unit specializes in designing risk management strategies for schools and educational organizations. Whether you’re a K–12 district, charter school, or career and technical center, we help you stay protected—so you can focus on education.
What Is Educational Insurance?
Educational Insurance is a tailored approach to risk management that addresses the specific challenges and liabilities facing learning institutions. Our programs include:
- Public & Private School Risk Programs – Comprehensive coverage customized for both public districts and independent schools
- Abuse & Molestation Coverage – Protection against allegations involving student safety and misconduct
- Athletic & Extracurricular Liability – Covers injuries, incidents, and liabilities tied to sports, field trips, and after-school programs
- School Bus & Fleet Safety Programs – Coverage and risk control for transportation operations and vehicle liability
- Workers’ Compensation & Return-to-Work – Plans that support injured staff and keep claims and costs manageable
Why It Matters
Schools face growing scrutiny from parents, boards, and regulatory bodies. A single incident—whether an injury, allegation, or transportation mishap—can result in legal action, media attention, and reputational damage.
Our insurance strategies help ensure:
- Protection for faculty, administrators, and students
- Coverage tailored to the unique risks of educational settings
- Support for compliance with state and federal education mandates
- Continuity of learning, even when challenges arise
Who Needs This Coverage?
We partner with a wide range of educational organizations, including:
- Public and Private K–12 School Districts
- Charter and Magnet Schools
- Career and Technical Education Centers
- Intermediate Units and Regional Education Service Agencies
- Boarding Schools and Religious-Affiliated Institutions
If your mission is to educate, your risk management should be just as forward-thinking as your curriculum.
Why Partner with Fern Rock?
Our Education Practice Unit works side-by-side with superintendents, business managers, and school boards to deliver risk solutions that are as comprehensive as they are practical. We:
- Understand the operational and reputational pressures of modern education
- Customize policies to your buildings, staffing, and programs
- Provide immediate, knowledgeable support when incidents occur
- Stay ahead of legal developments and best practices in school risk
Together, we can help you create a safer, more resilient learning environment for everyone.