Koosh Insurance · Specialized Risk Solutions / Industries

    Schools & Nonprofit Programs

    The student injury during PE class. The bus accident on a field trip. The volunteer accused of conduct that ends a forty-year career. Schools and nonprofits run on tight budgets with high public visibility, and a single bad event can absorb a year's reserves and most of a board's attention. The insurance program has to anticipate exposures that for-profit businesses don't face — volunteer liability, mission-related risk, donor and grant-driven compliance — alongside the standard commercial lines.

    See what's covered

    Coverage

    What this coverage includes

    • General liability with educational and nonprofit-specific endorsements
    • Educators legal liability or nonprofit professional liability for educators, administrators, and program staff
    • Directors & officers for boards, often including volunteer directors
    • Employment practices liability for staff and volunteer-related claims
    • Sexual abuse and molestation coverage — critical for any organization working with children, vulnerable adults, or in residential settings
    • Student accident coverage for in-school and program-related injuries
    • Commercial property for buildings, contents, and specialized facilities
    • Commercial auto for vehicles, buses, and student transport
    • Cyber liability for student records, donor data, and operational systems
    • Crime and employee dishonesty for organizations handling donor funds and grant disbursements

    Who Buys This

    Who typically buys this coverage

    • Independent and private schools — preschool through K-12
    • Charter schools under state and federal frameworks
    • Religious schools and faith-based programs
    • Day cares, after-school programs, and summer camps
    • Higher education institutions — private colleges, universities, and trade schools
    • Nonprofit educational organizations — tutoring, mentoring, scholarship programs
    • Youth-serving nonprofits — Boys & Girls Clubs, scouting, sports leagues
    • Residential and treatment facilities for youth and vulnerable populations
    • Cultural and arts nonprofits — museums, theaters, libraries

    Why Koosh

    Why Koosh Insurance

    Schools and nonprofits operate with tight budgets, mission-driven priorities, and exposure profiles that don't fit commercial forms. Specialty markets, nonprofit-aware carriers, and form structures built for the sector all matter.

    Sector-specific market access — programs built for independent schools, faith-based organizations, and nonprofits.

    Sexual abuse and molestation coverage structuring — sized to actual exposure, with appropriate retroactive coverage.

    Volunteer and board protection — D&O, EPLI, and accident coverage all extending appropriately to non-employees.

    Mission-aware coverage — international programs, residential facilities, religious context all addressed.

    Donor and grant compliance — cyber, crime, and fiduciary coverage that meets funder requirements.

    Renewal and budget discipline — nonprofit budgets don't tolerate surprise increases; we manage market positioning carefully.

    FAQ

    Frequently asked questions

    Because it's increasingly excluded from base policies and requires specific endorsement or standalone coverage. The exposure is severe — claim values, settlement patterns, and historical look-back periods make it one of the most expensive claim categories any organization can face. Coverage for any organization working with minors should be assumed mandatory.

    Usually yes for liability arising from authorized activities, but specifics vary. D&O for volunteer board members, EPLI for volunteer-related employment claims, and accident coverage for volunteers themselves all need explicit confirmation. We map this carefully.

    Coverage typically extends to authorized program activities anywhere they occur, but international travel, high-risk activities (water, climbing, extreme sports), and overnight programming may need specific endorsements or additional limits.

    Cyber liability covers donor data breaches; D&O may cover claims related to donation handling and acknowledgment; crime coverage handles theft of donor funds. Three coverages, three triggers — and they need to coordinate.

    Religious organizations face specific exposures (clergy professional liability, religious discrimination claims, abuse allegations historically tied to religious institutions) that need specialty market placement and forms aware of religious-organization context.

    Student accident coverage typically responds for injuries during school-sponsored athletics, with specific forms for higher-risk sports. Catastrophic accident coverage for severe injuries is a separate consideration for athletic programs.

    Related

    Related services

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    Hospitals, clinics, and medical providers.

    Medefense Coverage

    Legal defense costs and regulatory risks in healthcare.

    Life Sciences

    Medical devices, pharmaceuticals, R&D, biotech, clinical trials.

    This page provides general information about Schools & Nonprofit Programs insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.

    Get a quote for Schools & Nonprofit Programs

    Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.

    (954) 309-3900
    service@koosh-ins.com
    4491 S State Rd 7, Suite 202, Davie, FL 33314