Who We Cover
Insurance for Faith-Based Schools & Daycares
Whether your school operates under a church or as a standalone academy, we build one coordinated program.
Religious schools and daycare programs combine the exposures of a house of worship with those of an education business — and both need to be covered without gaps. Whether your school operates under a church or as a standalone academy, we build one coordinated program.
We work with pastors, school administrators, and daycare directors to make sure coverage follows the actual structure of your organization, not just its name on paper.
What We Insure
Faith-based education takes many forms, and each one has its own facilities and programs to protect.
- Christian schools, academies, yeshivas, and other religious day schools
- Church-operated preschools, daycares, and mother's-day-out programs
- Before/after-school care and summer programs
- School buildings, playgrounds, gyms, labs, and buses
Coverage Considerations for Religious Schools
Because schools and daycares combine education, childcare, and ministry, coverage needs to address several exposures at once.
- Educators legal liability — claims alleging failure to educate, discipline disputes, and accreditation issues
- Student accident coverage — medical coverage for injuries during school activities and sports
- Abuse & molestation coverage — essential, with screening and prevention support
- Property & liability — coordinated with the sponsoring church's policy so nothing falls between the two
- Workers' comp — teachers, aides, and support staff; state daycare licensing requirements
Church School or Separate Entity?
If your school operates under your church, we make sure the church policy actually extends to school operations — a common and dangerous gap. If it's separately incorporated, we structure standalone coverage that coordinates with the church's program.
Coverages we typically recommend
Schools Insurance — FAQs
Does our church's policy automatically cover our school?
What is educators legal liability, and do we need it?
Is student accident coverage the same as health insurance?
What if our daycare has state licensing requirements for insurance?
We compare the church specialists
Your application is compared across carriers including:
- NEXT Insurance
- Penn-America
- Scottsdale Insurance
- Simply Business
- NEXT Insurance
- Penn-America
- Scottsdale Insurance
- Simply Business
Carrier names and logos are the property of their respective owners and are shown for identification purposes only. US Church Insure is an independent agency and is not affiliated with, endorsed by, or sponsored by any carrier shown. Market availability varies by state, faith tradition, building type, and loss history.
Ready to compare coverage for your school?
One short application. We shop the specialist church carriers and a licensed agent walks you through the differences — no obligation.
Mon – Fri, 8:00am – 6:00pm CT
Not ready for a quote? Get a free coverage review
Schools insurance
1-866-964-6660