Private School Insurance: Compare the best offers in less than 3 minutes

Why opt for insurance dedicated to private schools?

• High-risk environment : student accidents, field or classroom injuries.
• Increased civil liability : interactions with minors, school trips, extracurricular activities.
• Protection of school property : premises, teaching materials, computer equipment.
• Contractual obligations : compliance with Ministry of Education or landlord standards.
• Peace of mind : for principals, teachers and parents.

Essential Coverages to Include in Your Insurance Policy

Why use a school insurance comparison tool?

• Access to multiple insurers in a single request
• Get personalized quotes in minutes
• Easily analyze warranties, prices, and coverage levels
• Neutral support via partner insurance brokers

Which insurers cover private schools?

Is insurance mandatory for a private school?

Yes, it is highly recommended, especially for civil liability and premises.

IN BRIEF

Private School Insurance

Quebec private schools (elementary, secondary, college) accumulate risks: RC for minors, school trips, sports-studies, boarding school, school transportation. Combined coverage $5 to $10 million recommended.

Coverage required: abuse and molestation with a separate limit (often $500,000 to $2 million). Documented prevention policies and recurring staff training are the conditions of subscription.

Can the insurance policy be adjusted according to the number of students?

Absolutely, insurance brokers adjust the guarantees according to the size and needs of the institution.

What types of claims are the most frequent?

The most common claims are for student injuries, equipment breakdown, and water damage.

What are the main coverages in private school insurance insurance?

A typical private school insurance insurance policy in Quebec includes: general civil liability (damage to third parties), commercial property (building, equipment, stock), equipment breakdown, business interruption (income loss after a claim), and depending on the sector, professional liability or cyber-risks. Exact coverage varies by insurer and profile — your partner broker tailors the policy to your operations.

What exclusions should I check before signing?

The most common exclusions in business insurance: intentional acts, normal wear and tear, claims occurring before the policy period, certain catastrophic risks (flood, earthquake — often optional), mobile equipment off-site, and undeclared activities. Always read the exclusion clauses and declare all your operations to avoid claim denial.

Can I bundle my private school insurance insurance with auto or home?

Yes. Most of our AMF-certified partner brokerage firms offer multi-product bundling. Combining business insurance with auto or home can generate a discount of 10 to 15% on total premiums, plus simplified management (one point of contact, one renewal date). At Assur360, the quote systematically evaluates the bundled option.

How does professional liability (E&O) insurance work?

Professional liability (E&O) covers errors, omissions or negligence committed in the course of your profession, plus legal defence costs. It differs from general liability (which covers bodily or property damage to third parties). Depending on your sector, E&O can be strongly recommended or required by contract (e.g. by clients or professional associations).

How long does a private school insurance quote via Assur360 take?

The online form takes 3 minutes to fill out. You’ll then receive a call or email from an AMF-certified partner brokerage firm (member of the Chamber of Insurance) within 24 to 48 business hours with a personalized quote for your business. The quote is free and no obligation — you’re free to accept, decline, or negotiate.

Request your quick and free quote