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INDUSTRIES · EDUCATION + CHILDCARE

Coverage for the places families trust most.

Private schools, early-learning centers, and after-school programs with teachers, aides, and transport.

Get the education + childcare packageCoverage finder
THE EDUCATION + CHILDCARE STACK

What companies like yours usually carry.

Limits shown are common minimums, not advice.
BOP / general liabilityStudent injuries, property, and abuse and molestation coverage$1M / $3MREQUIREDWorkers' compTeacher and aide injuriesStatutoryREQUIREDEmployment practicesStaff employment and third-party claims$1MRECOMMENDEDDirectors + officersBoard and trustee decisions$1MRECOMMENDEDMedical, dental, visionBenefits to retain qualified teachers—RECOMMENDEDCommercial autoBuses, vans, and field trips$1M CSLCONSIDER
  1. 01
    Abuse and molestation
    Coverage most general policies exclude.
  2. 02
    School-year payroll
    Benefits deductions spread across 10- or 12-month pay.
  3. 03
    Board protection
    D&O for trustees and directors.

TOP RISKS WE PLAN FOR

  1. 01Student injuries. Campus activities create GL exposure.
  2. 02Abuse and molestation. Coverage most general policies exclude.
  3. 03Board decisions. Trustees need D&O protection.

EDUCATION + CHILDCARE QUESTIONS

Is abuse coverage available?
Yes, as an endorsement or standalone coverage.
Do you cover field trips and buses?
Yes, through commercial auto.
YOUR PROGRAM AT A GLANCE

Every line a education + childcare company typically needs, on one application.

PROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business propertyWORKFORCEWorkers' compPay-as-you-go premiums billed with each payrollWORKFORCEEmployment practicesWrongful termination, harassment, discrimination claimsFINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claimsEMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriersPROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and drivers

HOW IT WORKS FOR EDUCATION + CHILDCARE

  1. 01Connect payroll. Census, wages by class code, and locations pulled from Worklio HCM or uploaded.
  2. 02Market to carriers. We submit to carriers that actively write education + childcare risks.
  3. 03Compare and bind. Side-by-side options with limits, deductibles, and total cost.
  4. 04Service all year. COIs, claims advocacy, audits, and renewal planning from one team.

WHAT WE'LL NEED TO QUOTE YOU

APPLICATIONS
  • ACORD 125
  • ACORD 126
  • ACORD 140
  • ACORD 130
  • Carrier supplement
  • Employee census + group application
  • ACORD 127
  • ACORD 129
DOCUMENTS
  • Revenue and operations description
  • Statement of values by location
  • Loss runs, 3–5 years
  • Payroll by class code (from payroll)
  • Current policy declarations
  • Experience mod worksheet
  • Employee handbook
  • Headcount by state

AFTER YOU BUY

  • Certificates on demand
    Issue COIs with additional insureds from your dashboard.
  • Claims advocacy
    Your advisor works the claim with the carrier.
  • Audits without surprises
    Payroll-based premiums reconcile as you go.
  • Renewal planning
    Options on the table 60 days before renewal.

WORTH CONSIDERING

EMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disabilityPROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liabilityFINANCIAL + MANAGEMENTE&O / professionalClaims of mistakes or negligence in your servicesFINANCIAL + MANAGEMENTCyber liabilityBreach response, ransomware, and data liability
TOOLCoverage finderCheck required lines for your states.TOOLSavings calculatorEstimate first-year value.GUIDELeaving a PEOOwn your plans and policies.WORKLIO HCMPayroll for education + childcareIndustry pay rules, on one platform.
  • $35+ Billion
    PAYROLL AND TAXES PAID
  • 23+ Million
    ACH TRANSACTIONS
  • 4.3+ Million
    W-2S / 1099S PROCESSED
  • 2.8+ Million
    EMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
OTHER INDUSTRIESSenior careHealthcareBehavioral healthDental + veterinary groupsManufacturingConstructionAuto dealer groupsFranchise groupsStaffingFacility servicesLogisticsRestaurantsHotelsProfessional servicesNonprofits

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