Private School Insurance

Peace of Mind for Your Academy

Coverage Designed for Your School

Private school insurance should be as unique as your school because it’s different in many ways. From the location, to the building size, to the number of students and more. A commercial insurance policy is just not intended for a small school. Private schools need an insurance package created specifically for their unique needs.
That’s where Beacon Insurance Agency excels! For over a decade, we’ve helped schools like yours with custom coverage to fit their specific needs. What’s more is we provide risk management assistance to help keep you out of the claims process.
We specialize in
  • Baptist Schools
  • Christian Schools
  • Lutheran Schools
  • Methodist Schools
  • Presbyterian Schools
  • and other private schools…
At Beacon, you get to customize your private school insurance package for yourself. We help you with the coverage you need to carry on your mission. Protect all your assets, especially your staff and students, with peace of mind. Talk with a professional private school insurance agent.
It’s critical to keep your students, faculty and school facility safe. Some may question the need for an insurance policy specific to their private school. However, the benefits of these custom coverage plans are invaluable. Unfortunately, risks are a part of running any educational institutions. But, planning ahead to cover liabilities is the only way to protect your school and it’s mission.
Private school teacher photo
We serve all types of institutions from K-12 religious schools to higher education and colleges. Our private school insurance packages provide the flexibility to build your plan. And we’re here to help the entire way. Beacon can answer your questions and help find the right coverage for you.
Don’t leave the safety and protection of your school to chance. Partner with Beacon Insurance Agency and see the difference we can make for you.
Get your free, no-obligation consultation or contact us with general questions.

Build Your Private School Insurance Package

A comprehensive private school insurance policy begins with General Liability and Property coverages and builds from there to cover your most important assets. Beacon’s package policies provide the flexibility of customizing insurance programs specific to your school and its unique needs. Options can include property, general liability, crime, sexual misconduct, directors & officers’ liability, automobile, worker’s comp and more. Beacon’s expertise and relationships with national brokers specificly for school insurance will find the coverage you need.
For example, your private school insurance package may need general liability, property, auto, and special events. Or, a different combination of coverages.

Private School Insurance Packages

Choose from a combination of the following:
Protection for when the school is legally liable for bodily injury or property damage to someone outside the organization’s staff (including student, visitors, vendors, passerby, etc). More on General Liability Insurance

You take great pride in keeping your facilities and belongings looking their best. Protect your physical assets from man made and natural disasters. More on Property Insurance

Protecting your students, employees and chaperones when your education goes beyond the
classroom. More on Accident Insurance

Whether you need coverage for a sedan used by staff or have a fleet of vans and buses, a commercial auto policy is essential. More on Automobile Insurance

Crime coverage is protection against loss of money or securities from theft, burglary or embezzlement as part of your private school insurance. More on Crime Coverage

Protection of information from cyber threats, data breaches and the implications they hold at your school. More on Cyber Liability Insurance

D&O insurance protects the board from litigation costs associated with their professional work related to the school. More about D&O Coverage

Employment Practices Liability is a valuable protection against employment related claims of harassment, negligence or mismanagement. More about Employment Practices Liability Insurance

International travel is a wonderful educational tool, but it can also be unpredictable, and the right insurance can provide peace of mind. More about International Travel Insurance

Sexual Misconduct and Molestation claims can destroy the reputation of an employee or organization if not handled properly and not all policies are created equal. See more about Sexual Misconduct and Molestation

Some of events bring a set of exposures that fall outside the scope of traditional business and Special Event Coverage will fill in the gaps. See more about Special Event Coverage

Umbrella and Excess Liability Insurance provide an extra measure of coverage over and above the standard insurance policy. See more about Umbrella and Excess Liability Coverage

Worker’s Compensation coverage is a required policy for all entities that have four or more employees in the State of Florida. More about Worker’s Compensation Insurance

Already have coverage for your private school? Let a professional private school insurance agent review your policy and give suggestions. At Beacon, we have over 25 years experience in school coverages and offer this service at no charge. We may be able to save you money or increase your current coverage or both.

“We are devoted to serve those who serve others”
Terry Fortune – President
Beacon Insurance Agency
Do you need insurance tailored to your private school? Are you presently in a policy not designed for schools? We can help…

Why Beacon for Custom Private School Insurance?

Wooden block churches photo
  1. Beacon is the agency for private school insurance in Florida.
  2. We answer all of your questions about school policy coverages.
  3. Beacon helps to address the risks unique to your private school.
  4. We only work with private schools, churches and nonprofit organizations.
  5. Our private school insurance packages offer flexibility to customize your plan.
  6. Beacon helps every step of the way. We assist in finding affordable coverage options.
  7. We partner with national risk management companies for resources you need to avoid accidents.

Areas We Serve

Beacon Insurance Agency’s mission is to serve churches, schools, and nonprofits who serve their community. By providing help on risk management and insurance coverage, we are fulfilling our purpose. Let us help you fulfill your purpose by protecting your organization and the people you serve.

Beacon Insurance Agency service area map


  • Jacksonville
  • Orlando
  • Pace
  • Pensacola
  • Tallahassee
  • Tampa
  • and more…


  • Daphne
  • Fairhope
  • Foley
  • Gulf Shores
  • Mobile
  • and more…

FAQs on Private School Insurance

What type of insurance does a private school need?

Every school is unique, and every state has different private school insurance coverage requirements. For example, a private school in Idaho would not need hurricane coverage. Yet, they would have an interest in coverage to repair their boiler in the face of a blizzard. Each school needs to have custom insurance coverage based on what they do and how they do it.

How often should a private school review their insurance policy coverages?

Schools should work ahead to review their coverages before the next renewal. Be sure to make known any changes to your operations and any growth you have experienced. You should also be aware of any changes in the industry that may effect you. If you have questions, ask your insurance agent for more information about your private school insurance coverage.

Does a private school need to buy a separate policy if opened by a church?

Programs are available allowing a church to add a school or most nonprofit activities directly into their existing insurance program. This includes Private Schools, Thrift shops, Meals on Wheels, Food Banks and Outreach programs.

Have questions about private school insurance not answered here? Contact Beacon Insurance Agency to get answers to your questions today!

Speak With a Licensed Agent

Talk with a knowledgeable insurance agent about a package specific to your organization.

Call us at (850) 994-7944 today or

I cannot overemphasize the impact Terry Fortune has made for us at First Baptist Milton. He is someone who represents his company with dignity and class. Terry Fortune is a man you can trust! We thank God for sending Terry our way. Sincerely,
Bob L.
Church in Milton, Florida
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