Schools, Educational & Training Organizations Insurance

Overview of the Program From Charity First

The Schools, Educational & Training Organizations Insurance program is designed for nonprofit and charitable institutions that deliver education, instruction, or training services. You can use this program to place day schools, after-school programs, tutoring centers, vocational training nonprofits, continuing education providers, and other similar tax-exempt educational groups. Coverage is available through admitted carriers in most states and is issued via Charity First Insurance Services Inc as the managing general agency.

Ideal Accounts and Appetite

• Small to mid-size nonprofit schools, preschool programs and K–12 support organizations.
• Adult education, vocational and trade-training nonprofits, community colleges with limited campus exposures.
• After-school programs, tutoring services, and continuing education providers run by nonprofit boards.
• Programs with predictable operations, low-volatility claims histories, and standard premises and instructional activities.

Typically not a fit: large boarding schools, colleges/universities with residential campuses, organizations with significant residential care components, or entities with high-severity professional liability histories. If you have an account with high abuse/molestation exposure, complex campus housing, or significant athletic event risk, please discuss before submission.

Coverage Highlights and Advantages

• General liability tailored for educational operations, including student activities and field trips.
• Professional liability options for instructors and administrators (where available by carrier).
• Property and contents coverage for classrooms, administrative offices and owned equipment.
• Abuse and molestation coverage options available through select carriers.
• Flexible policy forms and limits to match nonprofit budgets and program sizes.

Underwriting Notes and Minimum Premiums

Charity First underwriters focus on the day-to-day operations: student age ranges, staff-to-student ratios, background checks and training, volunteer screening, safety policies, and premises security. Claims history, curriculum type, and off-site activity frequency materially affect terms. Minimum premium varies by carrier and state—please see the program’s submission requirements or contact Charity First for current minimums and filing details.

Territories and Availability

This program is available in most states (AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC). Coverage is offered primarily on admitted paper through our carrier partners, but appetite and form availability vary by state.

Why Work With Charity First Insurance Services Inc

• Deep nonprofit specialization — underwriting and risk management tailored to charitable and education-focused operations.
• Access to multiple A-rated carriers and flexible admitted paper in most states.
• Complimentary risk management resources and an extensive online safety library to help insureds reduce exposure.
• Responsive program team experienced in placing complex nonprofit education risks.

Example Accounts You Can Place

• A nonprofit after-school program serving 100 children with staff background checks, standardized safety policies, and limited off-site activities — ideal for admitted liability and property placement.
• A community vocational training nonprofit offering daytime trade classes with owned equipment and modest inventory — fits the program’s property and professional liability appetite.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.