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While both public and private educational institutions face many of the same types of claims, the climate is arguably more hazardous for private institutions—which don’t enjoy the liability protections afforded to government entities in many states.

Additionally, private schools have increased their exposure as they’ve expanded both their academic and extracurricular programs to better compete for students.

“Private schools have added more travel exposure in particular, including travel abroad, in the K-12 grades that we hadn’t seen before,” says Deb Denker, industry manager in the education sector at Travelers. “They’re not just sightseeing; they’re doing service and other activities that increase exposure to injury.”

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