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Insurance for Schools

Coverage built around boards, buses, buildings, and the student data New York holds you accountable for.
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Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

Why Schools Choose Us

Insurance that keeps up with the season

School coverage has to work through enrollment shifts, new programs, and route changes, not just at renewal.

Written for education

Coverage responds to how districts and schools actually operate, including the board decisions that generate most claims.

Built around your programs

Enrollment, transportation, athletics, and facility use each shape what the program needs to cover.

Local help through the year

Certificates, facility agreements, and coverage questions handled by advisors who know your district.

Who We Work With

Built for schools of every kind

The same practical approach works across public and private education, from single-building schools to districts running transportation and athletics.
  • Public Education
  • School Districts
  • BOCES Programs
  • Charter Schools
  • School Districts
  • BOCES Programs
  • Charter Schools
  • Private & Parochial
  • Private Schools
  • Parochial Schools
  • Preschools & Early Learning
  • Private Schools
  • Parochial Schools
  • Preschools & Early Learning
  • Specialized Programs
  • Vocational & Technical
  • Athletic & Enrichment Programs
  • Vocational & Technical
  • Athletic & Enrichment Programs
Do not see your institution? We insure many other education operations throughout Central and Upstate New York.

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The Education Program

Coverage schools carry

Four coverages do the heavy lifting on nearly every education program. The rest get added as programs grow into them.

Core Coverage

Public entity liability

The liability layer written for schools, covering the premises and the programs.

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Educators legal liability

Board and administrator decisions, from personnel to student placement.

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Workers' compensation

Teachers, aides, custodial staff, and coaches.

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Commercial auto

Buses, vans, and every vehicle running a district route.

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Additional Coverage

Cyber liability

Student records under Education Law 2-d and the systems holding them.

Commercial property

Buildings, technology, and the contents of every classroom.

Commercial umbrella

The limits athletics and facility rentals ask for.

Environmental & pollution

Fuel storage, boiler rooms, and older building materials.

Know Before The Year Starts

Make sure your coverage matches the obligation

School obligations come from state law, from the State Education Department, and from the agreements you sign with leagues and facility users.
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Student data under Education Law 2-d

New York sets specific obligations around student data protection and breach notification. A district has to be able to fund that response regardless of who hosts the data

Transportation and driver requirements

Owned buses, contracted routes, and driver qualifications all shape what the auto program has to cover, and a contracted route does not remove the district from the picture

Facility use and athletic agreements

Outside groups and leagues set required limits and additional insured status. The agreement is what makes those requirements enforceable

Need a certificate for a facility agreement? Call 315-598-6000 with the agreement details and required wording.

Understanding Your Premium

What actually moves your insurance cost

School premiums are built from enrollment, programs, and facilities. The more accurately those details are represented, the easier it is to make sure you are paying for the right risk.
  • Your Enrollment

Student population

The base figure nearly every line of a school program rates from.

  • Your People

Staff and payroll

Teachers, aides, custodial staff, and coaches each carry different classification.

  • Your History

Claims and loss experience

Employment and educators liability claims sit longest on a school program.

  • Your Programs

Athletics and activities

Contact sports and off-site programs price differently than classroom exposure.

  • Your Fleet

Transportation

Owned buses, contracted routes, and driver experience all factor into commercial auto pricing.

  • Your Facilities

Buildings and square footage

Age, construction, and protection systems carry both property and environmental weight.

Before You Renew

A better premium often starts with better information.

We review enrollment, staffing, route structure, facility use agreements, and property values before assuming the answer is simply another carrier.

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Good To Know

Public & Private Education insurance FAQs

Quick answers to common questions from New York schools and districts.
At minimum: public entity liability, educators legal liability for the board and administration, workers’ compensation and DBL, and commercial auto on district vehicles. Most districts add cyber, umbrella, and property coverage for buildings and technology.
It does not mandate a policy, but it sets obligations around student data and notification that a district has to be able to fund. Cyber liability is how most districts cover that response.
Paid coaches sit under workers’ compensation like any other employee. Volunteers depend on how the district has structured coverage, which is worth confirming before a season starts.
Their own coverage, with the district named on it. The facility use agreement is what makes that enforceable, and we can tell you what to require in it.

Local To Your Community

Six offices across Central and Upstate New York

Local advisors understand the districts, the buildings, and the conditions your bus routes run in. Find guidance in your area:
Oswego County
Northern Oswego & Tug Hill
Oneida County
Syracuse & Onondaga County
Wayne County
Finger Lakes Region
Rochester & Monroe County
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY