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School Insurance

School Insurance Information

School and College Insurance

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Your school is a place of learning, but no amount of knowledge can make it immune to the ravages of fire, accident, vandalism, weather damage, and personal liability. Minor mishaps can be costly. Major incidents can threaten the future of your institution. Insurance protection is essential to protecting your school from the unexpected.

 To address your school’s protection needs, we offer a full range of property and liability coverages.

Who is Covered

Members, employees, officials, staff, and volunteers acting on behalf of your school are covered.

Property Coverage

Property coverage includes such items as your buildings, contents, signs, property in the open, and fences. For the most complete coverage, we recommend the Special Form. This comprehensive policy is our most popular package, and it includes coverage for every type of loss unless it is specifically excluded.

Your organization also may elect to add the following endorsements to your policy at a modest charge for even greater property protection:

  • Crime coverage is protection for losses resulting from theft, employee dishonesty, forgery and alteration.
  • Inland marine covers valuable possessions that may be transported from one place to another.
  • Time element coverage is for extra expense and business income; it helps pay for expenses incurred to continue operations and business income that was lost.

Liability Coverage

Liability coverage protects the legal liability of your school for activities on all owned premises, as well as personal injury liability, such as libel and slander. It also includes medical expense coverage, regardless of liability.

A wide variety of optional liability endorsements also are available:

  • Non-owned and hired auto
  • Employment practices
  • Sexual misconduct
  • Interscholastic athletics


We also offer additional special policies to complement your insurance plan. These policies are fundamental to a comprehensive insurance protection plan, are competitively priced, and provide the highest level of coverage:

  • Business auto
  • Group life
  • Umbrella
  • Workers’ compensation

Important:  Due to applicable state laws, certain coverages may not be available in your state. Please contact your Lutheran applicable state laws, certain coverages may not be available in your state. Please contact your Lutheran Trust—Church Asset Management agent for coverage availability.

This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverages affordable, the actual policy contains certain limitations and exclusions. Please refer to your insurance policy for the pertinent contract language and coverages. Some coverages or discounts are not available in all states.

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