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Insurance for Elementary and Secondary Schools (K-12)

As an elementary or secondary school administrator, the challenges you face each day can be daunting -- dealing with safety issues, aging infrastructure, information security, disaster preparedness, and more. At Chubb, our tailored property and liability insurance products and services address those risks so you can focus on what matters most. Hazards may include:

  • A pipe bursts in your school's library, destroying computer equipment and many books.
  • A fire in your school's academic building causing significant property damage and requiring classes to move to a nearby facility.   
  • An employee is injured after tripping on a cracked walkway outside the school’s cafeteria.
  • To appease parents and students, a 60 year old female teacher is terminated and replaced with an energetic 27 year old male teacher with a dynamic personality.

Customarq for Educational Institutions
Property and liability losses can cost your institution dearly. Without proper insurance protection, your institution risks learning an expensive lesson. Our Customarq for Educational Institutions package product provides property and liability insurance tailored specifically for elementary and secondary schools.   

ForeFront PortfolioSM for Not-for-Profit Educational Institutions
Concerned about an allegation of mismanagement or a lawsuit from a faculty member claiming age discrimination when replaced by a younger teacher? Chubb's ForeFront Portfolio for Not-for-Profit Educational Institutions is designed specifically to meet those complex needs. In addition, our blended approach eliminates potential gaps that could exist if separate policies are purchased from different carriers. Your portfolio can include: Directors & Officers Liability and Entity level insurance, including Educator's Errors and Omissions Liability; Employment Practices Liability; Fiduciary Liability; Crime; and Kidnap/Ransom & Extortion.   

Equipment Breakdown
An aging infrastructure and expense management in K-12 schools can make it difficult to keep power generation systems up to date. Chubb's broad "all-risk" Customarq property policy automatically includes insurance for steam explosion and electrical or mechanical breakdown. Our insurance protection is complemented by equally sophisticated loss control services and jurisdictional inspections when required.

Workers Compensation
Elementary and secondary school operations require a diverse workforce. You need your employees to be healthy and fully capable of working. Chubb’s Workers Compensation insurance and related services, including loss prevention, claims, managed care and fraud specialists, can help you manage worker injuries and stay on top of factors that drive up costs.

Student Accident
Elementary and secondary schools can face financial implications and administrative burdens when students are injured during school-time events. Chubb has developed a variety of accident insurance plan options to meet your needs.  


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