What is National Private School Association Group (NPSAG)?
The National Private School Association Group (NPSAG) is a network that supports private schools by offering group-based services, including insurance coverage. NPSAG insurance is designed to meet the unique needs of private educational institutions, helping them manage risks related to students, staff, and property.
Who needs it
Private schools of all sizes can benefit from NPSAG coverage. This includes independent K-12 schools, Montessori schools, religious-based institutions, and specialty academies. Whether your school has a small student body or a large campus, having the right insurance helps protect your staff, students, and financial stability.
What it typically covers
NPSAG insurance policies are tailored to the needs of private schools and may include:
- General liability coverage for accidents or injuries on school grounds
- Property insurance for buildings, classrooms, and equipment
- Professional liability for educators and administrators
- Abuse and molestation coverage
- Workers’ compensation for school staff
- Auto insurance for school-owned vehicles
Coverage can often be customized depending on the size and scope of the school’s operations.
Common exclusions/limitations
Like most insurance policies, NPSAG plans have exclusions and limitations. These may include:
- Intentional acts or criminal behavior
- Wear and tear or routine maintenance issues
- Certain high-risk extracurricular activities
- Cyber liability without a separate endorsement
It’s important to review the terms of your policy to understand what is and isn't covered.
Factors that influence cost
The cost of NPSAG coverage can vary based on a variety of factors, including:
- School size and student enrollment
- Location and property value
- Types of programs and extracurriculars offered
- Claims history and safety protocols
- Selected coverage limits and policy options
Working with an insurance advisor can help you find the right balance between coverage and budget.
Proof of insurance & compliance
Many states require private schools to carry certain types of insurance to operate legally. Proof of insurance may be needed for licensing, accreditation, or access to certain facilities. NPSAG policies can help schools stay in compliance by providing the appropriate documentation and meeting basic coverage standards, although specific requirements vary by state.
How to get a quote
Getting a quote for NPSAG coverage is simple. Compare options tailored to your school’s needs to ensure you’re properly protected. Start your quote today.
Frequently Asked Questions
What types of schools are eligible for NPSAG coverage?
Private schools of various types, including religious, Montessori, and independent institutions, may be eligible for NPSAG insurance.
Does NPSAG insurance include coverage for school events?
Many policies include general liability for on-campus events, but off-site or high-risk events may require additional coverage.
Can NPSAG insurance cover cyber liability?
Cyber liability is typically not included in standard policies but may be added as an endorsement or separate policy.
Is abuse and molestation coverage included automatically?
This coverage is often available, but it may not be automatically included. It's important to confirm with your insurer.
How can I provide proof of insurance to regulators or partners?
Your insurer can issue certificates of insurance that verify your coverage details for compliance or contractual purposes.
Still have questions? Talk to a local insurance expert.