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Schools are worlds unto their own, operating with unique and challenging codes, requirements and jurisdictions. Rising operational costs, security concerns, decreases in funding and employment practice liability can seriously affect your institution’s future.

Insurance Solutions


Schools are taxpayer investments that must be protected against damage or loss. Proper risk management requires a combination of property coverages to ensure protection from the most common exposures.

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Sovereign immunity for schools has been modified or waved over the past decades. White tort immunity reduces liability exposure, public entities need various types of liability coverage to protect them against the financial exposure of potential awards and legal defense costs.

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School districts need to protect the investment in their vehicle fleets from many types of driver and storage exposures. Auto liability coverage is required to meet state liability limits and potential legal defense costs.

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Workers' Compensation

Workers’ Compensation coverage provides wage replacement and medical benefits to employees injured on the job.  Programs often include additional services like loss prevention training and equipment as well as back to work programs to help employee recovery and reduce overall costs.

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INSURICA’s Education Experts

Protecting your assets while minimizing risk and exposure to students, staff and the campus demands a thorough understanding of the educational system. INSURICA’s Education Experts bring the experience, guidance and resources you need to uncover and manage unforeseen risks on and off campus.

A Higher Degree Of Coverage

Our team works hand in hand with yours to identify exposure not always evident at first blush. We dig deeper to protect you from a host of risks unique to educators.

Put The Power Of An Entire Network Behind Your School

Through INSURICA, you’ll have access to major carriers, providing a wide variety of education-specific coverages and services for schools.

Education-Specific Coverages and Services

  • Traditional Property/Casualty Placements

  • Alternative Risk Mechanisms

  • Workers’ Compensation

  • Experience Mod Management Program

  • Employee Benefits Solutions and Placements

  • Risk Management

  • Clery Act Information

  • Pollution and EPA Compliance

  • Special Events Risk Management


Our in-depth understanding of your business allows us to uncover often-unseen risks and opportunities that can dramatically lower your exposure and costs.  Quite literally, we dig deeper to help you identify your exposure and efficiently minimize your risks through proven loss prevention and loss reduction techniques.

Recruiting and retaining the best and brightest is critical to your long-term success. All too often, the difference between a “loyal career” and “just another job” comes down to employee benefits. But unfortunately, after payroll, employee benefits are the largest budget item for most businesses.

At INSURICA, our Employee Benefits Experts can help you develop and implement a benefits program designed to motivate your employees while minimizing your cost.

We are proud to be an Assurex Global Partner. Assurex Global is the world’s largest privately-held risk management and commercial insurance brokerage group. Due to Assurex Global’s worldwide partnership, collaboration tools, and communications infrastructure, all Assurex Global Partners are capable of servicing your accounts across the globe with equal precision and localized service.



We define claims management a little differently. We view our role as “a partner in your company’s profitability.”

Loss Control

Loss Control

Loss control has become one of the most important elements of your business’s insurance

Alternative Risk

Alternative Risk

Self-insurance, large deductible plans, captive insurance…Our programs are tailored to fit your specific needs.

Find Out More About Our Services and Capabilities

We are here to answer any questions you may have and look forward to hearing from you.

Latest News

Today’s insurance programs must take into account the unique challenges faced by each client. In addition to a strong coverage program, some businesses may need advanced services. INSURICA has the additional Client Services required by complex business operations.

Navigating Spring’s Big 3 Severe Weather Hazards: Floods, Hail and Tornadoes

March 1st, 2024|Blog, Education, Trending|

As spring ushers in warmer weather, it also brings the potential for severe weather events that can impact school communities. Understanding and preparing for floods, hailstorms, and tornadoes are crucial responsibilities for school administrators. Let's explore practical tips to safeguard your school community from these hazards.

Enhancing School Bus Driver Safety and Student Well-being

February 16th, 2024|Blog, Education, Trending|

Ensuring the safety of school bus drivers is paramount, given the vital role they play in transporting students to and from school each day. While sprains, strains, and muscle tears are common injuries among bus drivers, the most costly incidents in schools often stem from motor vehicle accidents.

Safeguarding School Transportation: A Shared Responsibility

January 25th, 2024|Blog, Education, Trending|

Ensuring the safety of students during their school commute is a collective effort involving school bus drivers, motorists, and the entire community. While school bus drivers go to great lengths to protect children, it is equally crucial for all road users to play their part in managing transportation risks effectively.

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