School Insurance in Illinois

Porter-Hay Insurance provides school insurance options to help Illinois schools protect their students, staff, buildings, vehicles, equipment, liability exposures, and daily operations. Whether you serve one school, multiple buildings, or an entire school system, our local agents can help you review coverage that fits your needs, risks, and budget.

Schools face unique responsibilities. From classrooms and athletics to transportation, technology, employees, and student safety, the right coverage can help protect your educational organization when the unexpected happens.

Not sure what school insurance coverage you need? Our experienced agents can explain your options, answer your questions, and help you build a package that makes sense for your school.

School Insurance Coverage Options

Every school is different, which is why it is important to work with an insurance agency that understands educational organizations. Porter-Hay Insurance can help you review coverage options for many common school risks.

School insurance options may include:

• General liability
• Umbrella liability
• Educators professional liability
• Directors and officers liability
• Abuse and molestation coverage
• Cyber liability
• Property coverage
• Buildings, contents, equipment, bleachers, and booths
• Business auto
• Workers’ compensation
• Employment practices liability
• Employee benefits liability
• Crisis response
• Group health, life, disability, dental, and vision insurance

Insurance for Many Types of Schools

Porter-Hay Insurance can help review coverage options for a wide range of educational organizations. Coverage needs may vary depending on your school type, size, location, facilities, employees, vehicles, and student activities.

We can help with insurance options for:

• Private schools
• Public schools
• Vocational schools
• Faith-based schools
• Montessori schools
• Trade schools
• Charter schools
• Elementary schools
• Secondary schools
• Colleges
• Universities
• Student housing

Local Insurance Guidance for Illinois Schools

As your school changes, your insurance needs may change too. New programs, buildings, vehicles, technology, employees, extracurricular activities, or student housing can all affect the type of coverage your organization may need.

Porter-Hay Insurance has eight convenient office locations in Alexis, Andalusia, Aledo, Galva, Galesburg, Monmouth, Moline, and Oquawka. Our agents are accessible, friendly, and ready to help you review your options with personal service close to home.

Porter-Hay Insurance is part of the 1870 Holdings, Inc. family of companies. We are your trusted source for personal insurance, farm insurance, business insurance, and life and health insurance services.

Why School Insurance Matters

School insurance can help protect your organization from financial loss, liability claims, property damage, employee-related risks, cyber threats, transportation exposures, and crisis events. The right coverage can also help support continuity when a covered event disrupts normal operations.

• Protect students and staff: Liability and crisis response coverage can be important parts of a school insurance plan.
• Protect buildings and property: Coverage may help protect classrooms, offices, equipment, technology, furniture, athletic facilities, and other school property.
• Support transportation needs: Business auto coverage may help protect school-owned vehicles and other covered transportation exposures.
• Address employment-related risks: Workers’ compensation, EPLI, and employee benefits liability may help protect your organization and employees.
• Prepare for digital risks: Cyber liability coverage can help address certain technology and data-related exposures.

Questions to Ask Before Reviewing School Insurance

Before choosing or updating school insurance coverage, it can help to think through how your school operates today and what has changed since your last policy review. Consider questions such as:

• Have you added buildings, classrooms, vehicles, equipment, or technology?
• Do you offer athletics, extracurricular activities, transportation, or student housing?
• Have staffing levels, employee benefits, or employment practices changed?
• Does your school need cyber liability or crisis response coverage?
• Are board members, administrators, educators, and employees properly protected?
• Has your current policy been reviewed within the last year?

Why Choose Porter-Hay Insurance?

Choosing the right school insurance coverage starts with choosing the right agency. Here are a few reasons Illinois schools turn to Porter-Hay Insurance:

1. Local, personal service: Our agents are accessible, friendly, and committed to making your insurance experience as helpful and straightforward as possible.
2. A long history of service: Porter Insurance and Chuck Hay Insurance became Porter-Hay Insurance in 2016, bringing clients a strong level of expertise across multiple lines of insurance.
3. Coverage options from multiple companies: Our agents can tap into a network of insurance companies to help you compare coverage options, pricing, and protection for your school.

School Insurance FAQs

What types of insurance should a school consider?

Schools may need general liability, property coverage, educators professional liability, directors and officers liability, cyber liability, business auto, workers’ compensation, employee benefits liability, crisis response, or other specialized coverage.

What types of schools can Porter-Hay Insurance help?

Porter-Hay Insurance can help review coverage options for private, public, vocational, faith-based, Montessori, trade, charter, elementary, secondary, college, university, and student housing risks.

Why is cyber liability important for schools?

Schools often rely on technology and may store sensitive student, employee, and operational information. Cyber liability coverage can help address certain data and technology-related risks.

Do schools need directors and officers liability?

Directors and officers liability may help protect board members and leadership from certain claims related to decisions made on behalf of the organization, depending on the policy.

How often should school insurance coverage be reviewed?

It is a good idea to review coverage once a year. You should also review it after major changes, such as new buildings, vehicles, programs, employees, technology, athletics, transportation, or student housing.

Contact Porter-Hay Insurance

Protect your school, staff, students, and property with help from a local insurance team. Contact Porter-Hay Insurance at one of our eight convenient locations or fill out our online form. One of our agents will walk you through your options.