School District Insurance
Risk Management & Liability Insurance for School Districts
In 1860, there were only six public high schools in Pennsylvania. School attendance wasn’t mandatory until 1895. Today, there are 500 school districts encompassing K-12 in the Commonwealth, and about 88 percent of the population completes high school. Over our more than 170 years in business, Gilbert’s Risk Solutions has been proud to help protect many school districts, as well as private educational institutions, with school district insurance solutions tailored to their unique needs.
School district insurance comes with unique considerations. In addition to buildings and property exposures, there’s the all-important mission of keeping students safe — in the classroom, on the playground, in gyms, on sports fields, on school buses, and at field trips and special events.
Unique Risks Facing School Districts
School districts face a distinct set of exposures: student injury liability, educator professional liability, cyber threats involving student data, employment practices, bus and vehicle fleet risk, and property damage — all while operating under tight budgetary constraints.
While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
School District Insurance Coverage Solutions
It’s vital for school districts to have an experienced risk management partner that provides a wide range of loss control and ancillary services. Gilbert’s Risk Solutions aims to be that one-stop shop for your students, teachers, property, and liability needs.
Common Insurance for School Districts:
- Commercial Property Insurance
- Boiler & Equipment Breakdown
- Commercial General Liability
- Commercial Auto & Fleet Insurance
- Inland Marine Insurance
- School Board Legal Liability
- Errors & Omissions Insurance
- Umbrella/Excess
- Cyber Liability Insurance
- Pollution/Environmental Liability
- Workers’ Compensation
- Employment Practices Liability Insurance
- Crime Insurance
- Student Accident
- Violent Events
- Sexual Misconduct
Additional Services: Employee Benefits, HR Consultation, HRIS Gilbert’s Portal, Employee Assistance Program (EAP), Surety Bonds, Loss Control & Safety
Student Data and Cyber Risk for Schools
Schools hold vast amounts of sensitive student data, making FERPA compliance and cybersecurity a growing concern. A ransomware attack on a school network can disrupt operations district-wide, and breach notification costs can add up quickly. Learn more about our Cyber Liability Insurance.
Our Goal Is to Be Your Outsourced Risk Management Partner
School boards and teachers have enough to worry about educating students and keeping schools running smoothly — they shouldn’t have to worry about calamities, lawsuits, and liability. Gilbert’s Risk Solutions has experience with common risk management issues facing schools and other public entities, partnering with school leaders to identify areas of potential exposure and recommend solutions to mitigate risk.
Tailored Solutions
Following a risk assessment, we recommend the services and insurance coverage right for your school district. Often solutions involve insurance coverage, but just as often they encompass a process, safety training, or policy change that reduces an exposure. Our Loss Control and Claims Managers are experts in issues facing school districts and committed to providing superlative service.
360 Degree Approach
We take a 360-degree view of your safety to ensure all aspects of your school district are protected. Our team of experts in Employee Benefits, HR, Surety Bonds, and compliance issues are all available to our public entity clients, ensuring a multi-pronged approach to risk mitigation.
Our RISK SHIELD® Process
Our proprietary RISK SHIELD® Process identifies your exposures and puts a loss control plan in place to mitigate them. While schools face many similar risks, each district has its own set of issues and vulnerabilities — we’ll help you identify these and propose solutions to protect your students, educators, and property.
CONSULT
DESIGN
BUILDING
MAINTAIN
School District Insurance FAQs
This coverage protects educators and administrators against claims arising from their professional duties, such as allegations of negligent supervision or wrongful disciplinary action.
Yes — schools handle sensitive student data subject to FERPA, and are increasingly targeted by ransomware attacks, making cyber liability an important coverage. Learn more about our Cyber Liability Insurance.
School district employees are covered under standard workers' compensation frameworks, though roles like custodial staff, bus drivers, and coaches often carry unique risk considerations.
