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Preschool Insurance in Washington

Preschools occupy a unique position between childcare and education. Teachers and staff supervise young children while providing structured learning, play, meals, social activities, and other services.
These responsibilities can create exposures that aren't always adequately addressed by ordinary small-business insurance.
FirstMark Insurance Group helps preschool operators in Washington evaluate insurance options designed around early childhood education.

What Insurance Does a Preschool Need?

The answer depends on the preschool's size, location, staffing, services, and activities. Common coverage considerations include:

• General Liability Insurance
• Commercial Property Insurance
• Professional or Educators Liability
• Sexual Abuse and Molestation Coverage
• Workers' Compensation
• Cyber Liability
• Commercial Auto Insurance
• Umbrella or Excess Liability

Additional coverage may be appropriate based on food service, field trips, playgrounds, special events, transportation, and other activities.

Professional Liability for Preschool Operations

A preschool's exposure isn't limited to someone slipping and falling.
Parents entrust teachers and staff with the supervision, education, and well-being of their children. Allegations involving professional services or failures in supervision may create claims that aren't addressed in the same way as traditional premises liability claims.
Professional or educators liability should therefore be evaluated alongside general liability.

Sexual Abuse and Molestation Coverage for Preschools

Sexual Abuse and Molestation (SA&M) coverage helps protect businesses and organizations from allegations of sexual abuse or molestation involving patients, clients, residents, students, participants, employees, volunteers, or other third parties.
It is particularly important for healthcare providers, senior living facilities, behavioral-health organizations, schools, childcare providers, youth programs, nonprofits, faith-based organizations, fitness facilities, and any business serving vulnerable populations.
Preschool employees and volunteers regularly interact with young children, making this an especially important exposure to evaluate. Standard General Liability policies usually exclude or significantly restrict coverage for these allegations.
Since these allegations can result in substantial defense costs, settlements, judgments, and claims involving multiple alleged victims or responsible parties, we recommend a $1M SA&M limit for most organizations with regular contact with children, patients, residents, or other vulnerable individuals.

Protecting Your Preschool's Property

Preschools can have substantial investments in classroom furniture, educational materials, toys, technology, playground equipment, kitchen equipment, security systems, and other property.
Commercial property insurance may protect eligible property following a covered loss.
Business income coverage can also be important. If a fire or another covered property loss forces a preschool to close temporarily, applicable coverage may help with certain lost income and continuing operating expenses while repairs are made.

Workers' Compensation for Preschool Employees

Teachers, aides, administrators, kitchen employees, and maintenance personnel can all experience workplace injuries.
Depending on applicable Washington requirements and your organization, workers' compensation can provide benefits for eligible work-related injuries and illnesses.

Preschool Insurance FAQs

What types of insurance should a preschool consider?

Preschools commonly evaluate general liability, commercial property, professional liability, workers' compensation, Sexual Abuse and Molestation coverage, cyber liability, commercial auto, and umbrella liability. Specific needs vary according to the operation.

Does general liability cover sexual abuse and molestation claims?

Standard General Liability policies usually exclude or significantly restrict coverage for sexual abuse and molestation allegations. Dedicated SA&M coverage should be reviewed, including its limits, exclusions, defense provisions, and definitions of covered individuals.

Why do preschools need professional liability insurance?

Professional liability may address certain claims involving professional educational or supervisory services that may fall outside traditional general liability coverage. Policy definitions and exclusions vary, so coverage should be reviewed carefully.

Can preschool insurance cover playground accidents?

Certain playground-related injury claims may fall within applicable liability coverage, depending on the circumstances and policy terms. Playground equipment and activities should be disclosed to the insurance company when arranging coverage.

Preschool Insurance in Washington

From a small private preschool to a larger early-learning center, each organization has its own combination of property, liability, professional, and employee exposures.
FirstMark Insurance Group can help you evaluate those risks and compare available preschool insurance options in Washington.
Call 206-462-3293 to discuss coverage for your preschool.