CampusShield — Powered by Pembroke Insurance

Private school and charter school insurance built for California independent educators

Coverage that addresses the specific exposures of K-12 private education — student injury, employment disputes, board liability, sexual misconduct allegations, and the contractual requirements of accreditation bodies.

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Is This You?

Schools we insure we serve.

Private K-12 schools (independent, non-sectarian)

Faith-based and parochial schools (K-12)

Charter schools and public charter academies

Montessori schools (K-12 programs)

International Baccalaureate (IB) schools

Boarding schools and residential programs

Specialty academies (arts, STEM, language immersion)

Small private schools under 200 enrollment

Coverage

What CampusShield covers.

Purpose-built coverage for private k-12 & charter schools risk — not a generic policy with your industry type as a footnote.

General Liability

Covers bodily injury and property damage on school premises — field trips, sports, science labs, and all school-sponsored activities. The baseline coverage your accreditation body and facility lease require.

Educators Legal Liability (E&O)

Covers claims alleging inadequate instruction, failure to meet educational standards, grade disputes, or negligent supervision of students. Distinct from GL — it covers professional judgment in an educational setting.

Directors & Officers (D&O)

Protects board members personally against claims of mismanagement, wrongful employment termination, breach of fiduciary duty, and decisions made in their governance role.

Sexual Misconduct / Abuse Coverage

Covers defense costs and judgments arising from allegations of sexual misconduct involving staff and students. Required by most accreditation bodies and facility insurers. Standard GL policies exclude this exposure.

Workers Compensation

Required in California for all school employees — teachers, administrators, aides, coaches, and maintenance staff. Schools carry meaningful injury exposure from sports, facilities work, and classroom incidents.

Commercial Auto & Non-Owned Auto

Covers school-owned vehicles and employee/volunteer personal vehicles used for field trips, transportation, and school activities. Hired and non-owned auto coverage fills the gap when personal vehicles are used for school business.

Real Risk. Real Examples.

Situations your policy needs to be ready for.

A student is injured during a science lab experiment and the family files suit alleging inadequate supervision.

GL responds to the bodily injury claim. Educators legal liability responds separately if the claim also alleges the teacher failed to follow proper safety protocols — two distinct exposures that need two distinct coverages.

A former teacher files a wrongful termination suit against the headmaster and two board members personally.

Employment-related claims against individual board members are a D&O exposure, not a GL exposure. Without D&O, board members defend personal assets. With it, the carrier defends and the board members' personal finances are protected.

A parent alleges a staff member had an inappropriate relationship with their child. The school is named alongside the individual.

Sexual misconduct coverage is what responds to this — and standard GL policies exclude it. The defense costs alone in this type of claim routinely exceed $200,000 before any judgment or settlement.

Regulatory & Contractual Requirements

What your contracts, licensing body, and partners actually require.

WASC & Accreditation Bodies

Western Association of Schools and Colleges (WASC) and other California accreditation bodies specify minimum insurance requirements as a condition of accreditation. These typically include GL, abuse and sexual misconduct, and D&O at defined minimum limits. A CampusShield advisor will review your accreditation requirements before binding.

Facility Leases

Schools leasing facilities typically face GL requirements of $1M–$2M per occurrence, additional insured status for the landlord, and increasingly umbrella requirements. Bring your lease to your advisor call — we issue certificates and endorsements the same day coverage is bound.

Employment Contracts & HR Policies

California private schools face significant EPLI exposure given the state's employee-protective labor laws. EPLI covers discrimination, harassment, and wrongful termination claims from teachers, staff, and administrators.

What We Can't Place

Operations outside CampusShield's current market.

Being specific about what we cannot do is part of being useful.

Public schools and public school districts

Public entities have different market requirements and sovereign immunity considerations. We can refer appropriately.

Schools with active or pending sexual misconduct litigation

Coverage may be available post-resolution depending on circumstances. Discuss with an advisor.

Schools with enrollment over 500 students

Larger institutions require a different market tier — talk to an advisor about options.

Online-only or home school programs without a physical campus

Virtual and home school models require a different underwriting approach.

Talk to an Advisor

A licensed specialist, not a call center.

Pembroke Insurance is a licensed California commercial insurance broker. When you call or submit a form, you reach a licensed advisor who works in your industry — not a generalist or a voicemail box.

(760) 487-8268 info@pembrokeinsure.com

Pembroke Insurance · CA Broker License #20790267 · 7040 Avenida Encinas, Ste 104-2, Carlsbad, CA 92011

How It Works

From application to bound coverage.

Tell us about your business

A short application built around your industry — not a generic form. We ask the right questions for your specific risk profile.

We go to market

We submit to carriers that specialize in private k-12 & charter schools — not general commercial markets that price your class code with no understanding of the business.

Review with an advisor

We walk you through options side by side — in plain English, not insurance jargon — and confirm your coverage meets what your contracts actually require.

Bind and get your certificates

Same-day binding when you are ready. All COIs and additional insured endorsements issued immediately — no waiting.

Frequently Asked Questions

Private K-12 & Charter Schools insurance questions, answered plainly.

What insurance does a private school in California need?

California private schools need at minimum general liability, sexual misconduct/abuse coverage, directors and officers insurance for the board, educators professional liability, and workers compensation for all employees. Schools that operate vehicles or use personal vehicles for field trips also need commercial auto or hired/non-owned auto. Accreditation bodies typically specify minimum limits — a CampusShield advisor will confirm what your accreditor requires.

Is sexual misconduct coverage required for private schools?

Most accreditation bodies in California now require it explicitly, and it should be considered essential for any school with staff-student contact. Standard general liability policies exclude sexual misconduct claims. This is a separate endorsement or policy — not an add-on to GL. A CampusShield advisor will confirm what your specific accreditation requires.

Does D&O coverage protect school board members personally?

Yes — that is exactly what it does. Without D&O, board members who are named personally in a lawsuit must fund their own defense and pay any judgment from personal assets. D&O coverage pays defense costs and any resulting settlement or judgment. Volunteer board members face the same exposure as paid directors under California law.

Our accreditor requires minimum insurance limits — what are they?

Minimum limits vary by accreditation body. WASC, ACSI, and other California-recognized bodies each have their own requirements. Bring your accreditation agreement to your advisor call — we will confirm your current coverage meets what is actually required, then issue a certificate with the correct wording.

Are student injuries covered by the school's general liability policy?

Student injuries on school premises or during school-sponsored activities are covered by GL, subject to your policy form and limits. Claims that also allege negligent supervision, inadequate instruction, or failure to maintain safe conditions may involve educators legal liability in addition to GL. A CampusShield advisor can review your current policy to confirm where your coverage applies.

Do we need separate coverage for sports programs?

Yes — interscholastic sports, martial arts, swimming, and other athletic programs carry elevated liability exposure. Some GL policies require a sports endorsement or have specific exclusions for contact sports. Discuss your athletic programs with a CampusShield advisor so coverage is structured correctly.

Ready to get your CampusShield quote?

A licensed advisor who understands your industry. Real carrier options. Same-day certificates.