Top 5 Business Insurance That Schools Need

​Private and public schools have different insurance needs. Usually, state governments provide business insurance to public schools. Private schools, though, have to get their insurance from personal providers. Personal providers are offered according to the needs. Below are the top five business insurance that schools need:

1. School Property Insurance 
   Property insurance gives protection to bleachers, ticket booths, and other appliances in schools. It covers the personal belongings of teachers and other staff members. Having property insurance is the key to enabling smooth operations in schools. More so, it makes school employees feel safe by knowing that their belongings are always protected.
   
   
2. School General Liability Insurance 
   General liability insurance for schools covers the same elements as property insurance. But, general liability insurance also protects school nurses, athletic trainers, and parent-teacher associations. It also secures booster clubs and volunteers. Getting this policy attracts many people to work for schools that have it. 
   
   
3. School Commercial Auto Insurance 
   This kind of insurance covers transportation expenses in schools. More so, the policy secures employees while using school-owned vehicles. Employees may get injured while traveling in vehicles for work reasons. In turn, the schools can avoid lawsuits from employees. 
   
   
4. Playground Injuries 
   If children get injured while playing in the playground, this protects the schools. Playground insurance covers the costs of attorneys and court fees if parents sue. The school management is responsible for the children's safety within the campus. Without this policy, the management team of schools is at risk of going to jail. 
   
   
5. Fights and Bullying 
   It is the responsibility of the schools' personnel team members to stop children from getting hurt. But, there are instances when school cannot stop bullying and fighting. So, fights and bullying insurance protects schools from parents' lawsuits, as well. 

Conclusion 
Not all schools need the same business insurance. Schools are encouraged to assess their needs before getting insurance. The last thing they want to happen is to waste money paying for premiums for the wrong insurance. 

At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744. You can also request a free quote by CLICKING HERE.