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Schools’ commercial insurance

With a lifetime of experience providing commercial insurance to the education community, we understand the risks that schools face, and can provide a range of tailored commercial insurance solutions to ensure peace of mind for your school, your pupils, and your people.

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Protecting your school, your pupils, and your people against a range of risks.


We’ve used our 60 years of experience to build products that meet the complex needs of schools. Whether you’re an academy, a multi-academy trust, a SEND school, a local authority or independent school, there are a range of risks that need considering, from cyber threats and contract works to employers’ liability, motor fleet and more.

Our schools’ commercial insurance products

Public liability

Protects your school from claims by third parties for death, bodily injury, or damage to property, and covers the cost of compensation to anyone who is injured while on school property and where the school is considered legally liable. 

Employers’ liability

Covers the cost of compensating staff, governors, trustees, study exchange, or work experience trainees who are injured at, or become ill through work where the school is considered legally liable.

Buildings and contents

With buildings and contents insurance, your property and its contents are protected against risks such as fire, flood, and storm. Cover can be extended to include accidental damage and subsidence.


Protect your school, and its reputation, against a range of threats and exposures, including cybercrime, data breaches, and system interruption.

Legal expenses

Legal expenses insurance can help with the cost of legal representation and of compensation made against you, or the costs of pursuing a claim against someone else.

Directors and officers

Provides an indemnity to members of the school board, trustees, and officers who may be held personally liable for a wrongful act such as a breach of trust/duty, or a breach of health and safety legislation.

Contract works

Protect your school against claims relating to building works at your premises and covers building work prior to completion.

Professional indemnity

Protects you against claims made in respect of your legal liability for losses arising from a breach of professional duty.

Commercial crime

Protects your school against financial losses caused by business-related crime committed by an employee such as theft, fraudulently transferring funds, damage to property or forging signatures on business accounts.

Motor fleet

Covers your motor vehicles (minibuses, vans and agricultural/ groundskeeping vehicles), including occasional business use for staff, who are required to use their own vehicles on school business.


From moving computer equipment from one site to another to problems with equipment that your school relies on, engineering insurance protects against breakdown and business interruption

Business interruption

Imagine being unable to continue educating your pupils due to an insured event such as fire or flood. Business interruption covers costs incurred following physical damage to your property.

Schools’ commercial insurance: frequently asked questions

What sort of insurance does a school need?

Insurance requirements will vary from school to school, it’s not a one size fits all. The best way to establish the exact requirements for your organisation is to work closely with an insurance provider.

You can work together to outline the risks your school faces and how different covers can help mitigate those risks. Cover may range from legally essential covers like employers’ liability, to policies that provide protection for school vehicles, to covering your school against cyber threats.

How can Endsleigh help me?

With more than 60 years of experience providing commercial insurance for the education community, we are specialists at finding solutions for the education community. Our holistic, modular approach can support you with risk management, commercial insurance and wellbeing services for your school, your pupils, and your people. Here is some information about our products. 

Download our brochure  to find out more.


Commercial insurance

A tailored insurance solution delivering comprehensive protection for your school. Cover arrangements are wide-ranging, and our experts will assess your school’s exposures then advise on the best covers based on your needs.

You will have your own dedicated account executive who is experienced in providing solutions for schools and on hand to support you day to day.

Core areas of cover typically include - public & employers’ liability insurance, cyber, buildings and contents, business interruption, professional indemnity, governors’ liability, motor fleet, engineering, travel insurance and legal expenses.

Risk management

Our risk management service is designed to complement our schools’ commercial offering. From an initial health check to understand and enhance your safety management systems to an online compliance tool, in partnership with iAM Compliant, fire risk assessments, health and safety and physical security audits we’re here to support you with all your risk management needs.

Find out more on Endsleigh's risk management services

Mental health and wellbeing

Our Pupil Assistance Programme provides affordable 24/7 mental health and wellbeing support for your pupils, and a caregivers’ helpline provides access to qualified counsellors with specialist knowledge of dealing with children and young people for teachers, parents, and guardians. Our programme also includes youth mental health training, and digital cognitive behavioural therapy support.

Find out more about Endsleigh’s wellbeing services

Our friendly team are ready to talk to you:

Call us on 0333 234 1553