School Insurance

Local guidance and coverage options designed to help protect what matters most.

School Insurance in Illinois

Porter-Hay Insurance provides school insurance options to help protect districts, private schools, administrators, staff, students, property, vehicles, equipment, and school-sponsored activities. Whether your school needs liability coverage, property protection, vehicle coverage, workers’ compensation, or specialized coverage for unique exposures, our local agents can help you review options that fit your needs.

Schools face a wide range of risks every day. Buildings, buses, athletic programs, technology, employees, volunteers, student activities, field trips, and public interactions can all affect the type of protection your school may need.

Not sure what coverage is right for your school? Our experienced agents can help you compare options, explain coverage clearly, and build a plan designed around your school’s operations, responsibilities, and goals.

School Insurance Options

Every school is different. Porter-Hay Insurance works with a network of companies to help schools compare coverage options and find protection that makes sense for their operations.

General Liability Insurance

School Property Insurance

Educators Legal Liability

Workers’ Compensation

Commercial Auto Insurance

School Bus Coverage

Cyber Liability Insurance

Employment Practices Liability

Umbrella Liability Coverage

Athletic & Student Accident Coverage

Equipment & Technology Coverage

Crime & Fidelity Coverage

Local Guidance for Schools

School insurance is not one-size-fits-all. A local Porter-Hay Insurance agent can help you review your risks, compare coverage options, and understand how different policies may work together to help protect your school, staff, students, and community.

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 provide personal service close to home.

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

Why School Insurance Matters

School insurance can help protect against financial losses caused by property damage, liability claims, employee injuries, vehicle accidents, cyber incidents, student accidents, lawsuits, and other covered events. The right coverage can help support school operations when the unexpected happens.

Protect school property

Coverage may help protect school buildings, classrooms, equipment, technology, supplies, athletic facilities, and other property.

Prepare for liability risks

Liability coverage may help protect your school from certain claims involving injury, property damage, employment practices, or other covered risks.

Support staff and operations

Workers’ compensation and employment-related coverage options can help protect your school and support employees.

Protect school vehicles

Commercial auto and school bus coverage can help protect vehicles used for student transportation and school operations.

Address changing risks

Technology, activities, staffing, facilities, transportation, and student programs can change over time, and coverage should be reviewed along with them.

Questions to Ask Before Reviewing School Insurance

Before choosing or updating school insurance coverage, it can help to think through how your school operates and what may have changed recently.

Has your school added buildings, classrooms, vehicles, technology, equipment, or programs?

Are school buildings, equipment, technology, and supplies properly valued?

Do you operate school buses or other vehicles for student transportation or school business?

Have staffing, volunteers, athletics, field trips, or student activities changed?

Could cyber, data, or technology risks affect your school?

Are your current liability limits and endorsements still appropriate?

Has your school insurance coverage 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 schools turn to Porter-Hay Insurance:

Local, personal service

Our agents are accessible, responsive, and committed to helping schools review coverage with confidence.

Coverage for school operations

We can help review coverage options for school property, liability, transportation, employees, athletics, technology, and other needs.

Options from multiple companies

Our agents can help compare coverage options, pricing, and policy features from a network of insurance companies.

School Insurance FAQs

What types of insurance should schools consider?

Common school insurance options include general liability, property insurance, educators legal liability, workers’ compensation, commercial auto, school bus coverage, cyber liability, umbrella liability, and student accident coverage.

Does school insurance cover buses and school vehicles?

Commercial auto or school bus coverage may help protect vehicles used for student transportation and school operations. A Porter-Hay Insurance agent can help you review your school’s vehicle exposures.

Why is cyber liability important for schools?

Schools often manage sensitive student, family, employee, and financial information. Cyber liability coverage may help address certain risks related to data, technology, and cyber incidents depending on the policy.

How often should schools review their insurance coverage?

It is a good idea to review school insurance annually or whenever your school adds buildings, vehicles, technology, programs, staff, athletics, or other activities.

Why work with a local insurance agency?

A local agency can help your school compare options, explain coverage in plain language, and provide personal service as your needs change.