Insurance for Churches That Run Schools, Preschools and Childcare
The moment a church opens licensed childcare or a school, the insurance program needs to be rebuilt, not adjusted at the margins. We design it that way from day one.
Prefer to talk? Call 978.712.0111
What changes
Sexual abuse
Limits, defense terms and carrier requirements tighten when you care for children every weekday.
Workers’ compensation
School and daycare staff belong in their own class codes; one blended payroll figure gets rated at the most expensive class.
Student accident
Liability pays when someone proves negligence; most school injuries involve none. Student accident coverage fills that gap.
Educators’ and professional liability
Claims about instruction, supervision and discipline need coverage written for schools.
Licensing and regulators
State childcare licensing brings inspection, ratio and certificate requirements your program has to satisfy.
Entity and property
Is the school a separate entity? Who owns the building? The answers change named insureds, property and D&O.
Is the school its own entity?
If the school is a separate legal entity, say so in every submission. If it is not, say that too. It changes the structure of every quote you will receive.
Question Why it matters
Separate legal entity or ministry of the church? Named insureds, D&O and who signs contracts
Scheduled as its own operation? Its own limits vs sharing church GL
Payroll split by class code? Workers' comp rate and experience mod
Athletics, field trips, transport? Student accident, auto and participant liability
Bring us in before the licensing visit
Planning a preschool or licensed childcare
Adding grades or a second school campus
Taking over an existing school
Renewing with enrollment that has grown since last year
Schools & childcare insights
Opening or running a school or childcare?
Send your current program and enrollment and staffing details. We’ll show you what needs to change.
Prefer to talk? Call or text Jake at 978.712.0111
We do not use your information for marketing and we do not share it.