Nov 14 2025 19:00

Property Coverage for Schools & School Districts

Protecting Educational Institutions with Tailored Insurance Solutions

 

Schools and school districts face a unique set of challenges when it comes to protecting their buildings, assets, and operations. From aging infrastructure and high student traffic to evolving safety regulations and increased natural catastrophe exposures, educational institutions require insurance solutions that are both flexible and robust.

 

At Souders’s Underwriting Group, we understand these complexities and offer specialized Schools & School District Property Coverage designed to safeguard facilities, equipment, and learning environments—no matter the size of the district or the value of its portfolio.

 

Tailored Property Protection for Educational Institutions

 

Whether your client is a single private school, a multi-campus charter network, or a large public school district, our property program is built to adapt. We provide:

High Capacity for Large Schedules

  • Ability to write up to $50M primary
  • Option to take a $50M layer out of a $500M Total Insured Value (TIV)
  • Flexible excess layers available above the primary

 

This structure allows schools and districts with extensive real estate portfolios—such as administrative buildings, athletic facilities, performing arts centers, and transportation hubs—to secure the protection they need in one cohesive program.

 

Coverage Highlights

 

Our coverage is intentionally designed to meet the demands of educational environments where downtime can significantly impact students, teachers, and families.

 

Fast, Single-Carrier Claims Handling

Schools can’t afford delays. A streamlined claims process ensures swift repairs and minimal interruption to classes and operations.

 

Coverage for Multi-Location Schedules

Ideal for districts with multiple campuses or auxiliary sites, including:

  • Elementary, middle, and high school campuses
  • Athletic complexes
  • Bus garages and maintenance facilities
  • Administrative and technology centers
  • Charter school networks and private school systems

 

100% Replacement Cost Coverage

Ensuring your clients can rebuild exactly what was lost—crucial for specialized facilities like science labs, gyms, or libraries.

 

Primary, Excess & Full Value Basis Options

Flexible structuring enables brokers to tailor solutions to schools with varying budgets, requirements, and risk appetites.

 

Limits & Premiums Overview

 

  • Limits up to $500M available
  • $50M Primary Limit
  • 100% coverage of the first $50M
  • Markets available for high-risk properties (35K MP) including older schools, hurricane-exposed campuses, or districts in wildfire or tornado-prone regions

 

This range ensures that both small independent schools and large metropolitan districts can secure competitive and reliable coverage.

 

Why Schools Need Specialized Property Insurance

 

Educational properties come with unique exposures:

 

  • Aging buildings with costly maintenance needs
  • High student occupancy leading to frequent wear and tear
  • Valuable specialty equipment (STEM labs, tech devices, musical instruments)
  • Expansive fields and outdoor structures
  • Transportation fleets and storage facilities
  • Increased susceptibility to catastrophic weather events

 

A tailored property policy helps school administrators and risk managers protect not just the physical assets, but also the continuity of education.

 

Ready to Submit a School or District Risk?

 

If you have a risk in mind, we’re ready to take a look. Simply send it our way— we’ll need an ACORD application, current loss runs, and a Statement of Values (SOV) to get started. Our underwriting team will review all submissions promptly and work with you to structure coverage that fits your client’s needs.

 

Supporting Safer Learning Environments

 

The goal of tailored coverage isn’t just to insure buildings—it’s to help schools recover quickly so students can get back to learning. With dedicated underwriting expertise and the ability to handle large, complex schedules, Souders’s Underwriting Group helps brokers deliver peace of mind to districts, educators, and families.