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Protection for Your Learning Environment

FCA has been providing the school sector with comprehensive insurance packages for over fifteen years and we have the expertise to service your insurance needs. Education insurance protects educational organizations, institutions and entities from a wide range of perils.

Coverages also commonly extend to employees, volunteers and directors & officers within the operations as well. As no two educational institutions are alike, it is important to work with a dedicated education insurance specialist who truly understands the uniqueness of your operations.

Who needs Education Insurance?

Education insurance is a necessity for any organization, institution or entity with an environment that facilitates schooling. This includes but is not limited to:

  • Pre-Schools & Daycares
  • Elementary Schools
  • High Schools
  • Private Schools
  • Boarding Schools
  • Career Colleges
  • Vocational colleges
  • Private Tutors
  • Sports Academies
  • On-Line Learning

Working with a experienced team in the education environment enables you to effectively assess your unique exposures and design a comprehensive program exclusive to your needs and risk tolerance.

Key Coverages Required by Educational Institutions

Property Insurance

Commercial property coverage designed to protect the physical assets of the educational institution against loss or damage from a broad range of causes

Commercial General Liability Insurance

Designed to protect your educational institution from a loss if you are found legally liable for bodily injuries or property damage to a third party

Educators Errors & Omissions Liability

Provides financial protection and legal defense against lawsuits arising out of the errors and omissions of educators while performing their job-related duties

Abuse Liability

Defends the entity against allegations of abuse of a student by a staff member and some insurers offer counselling services and crisis management in response to abuse allegations

Directors & Officers Liability

Covers defense of the directors and officers of the entity of alleged wrongful acts in the operations of the entity

School Lockdown

A form of Business Interruption coverage that can be purchased to compensate ongoing costs and lost profits in the event the school is locked down

Bomb Scare Insurance

A form of Business Interruption coverage that can be purchased to compensate ongoing costs and lost profits in the event the school has a bomb scare

Crime Insurance

Addresses employee dishonesty or theft from the educational entity by an employee or in some cases by a third party

Cyber Liability Insurance

Protection of the entity for its responsibility for the release of personal information of others under their control, plus coverage against the potential for cyber-attacks or computer fraud

Tuition Refund Insurance

A program that provides refunds on tuition paid in the event that the student withdraws, or is dismissed during the educational program

FCA is Canada's Insurance Expert Since 1919

FCA has been providing Canadian companies with insurance since 1919. We have set the industry standard for turnaround time for both new and existing clients. We pride ourselves in ensuring our clients are receiving the best suite of coverages at a fair price.


Your insurance program is designed to address your unique needs and risk appetite based upon your operations. Therefore, programs will differ between institutions like post secondary education and private schools. Your FCA broker will assist in making informed coverage decisions that are right for you. At a minimum, we recommend a policy limit of $2 Million in Commercial General Liability coverage and a minimum policy limit of $5 Million in Abuse Liability coverage but it depends on many considerations.

There is no one size fits all. To understand what is right for your operation, your FCA broker will conduct a market analysis to match the limit to your exposure and risk needs.

The cost of your program varies based on a number of factors. Some of the key considerations that affect pricing are:

  • The number of students
  • Revenues and tuition sales
  • Out of country school trips
  • Type of Educational Centre
  • Recreational Facilities such as a swimming pool
  • Summer programs

To get started, be prepared to provide your FCA broker with a foundational understanding of your educational institution. This information includes but is not limited to:

  • Name of owner of corporation that operates the entity
  • Description of operations
  • Duration of operations
  • Background (CV) of key senior level staff
  • Number of students, educators, support staff and volunteers
  • Annual tuition revenue
  • Regulatory body having authority over the entity
  • Trade association memberships
  • Website
  • Reference and Police Checks on staff

Why Choose FCA Insurance?

Ease of Doing Business

We set the industry standard for turnaround time for both new and existing clients, you can expect excellence.

Trusted by Insurance Markets

Outstanding relationships with all of the most reputable insurance markets in the industry, giving you the power of choice.

Insurance is What We Do

Our industry leading team boasts eighty dedicated and licensed professionals ensuring a smooth and efficient experience.


We have been clients of FCA since 2015. As our advisor, Paul Smith consistently shows expertise in all facets of risk management. His specialty knowledge of the education industry provides annual in-depth review of our insurance needs and ongoing risk management advice. I would highly recommend this firm.


FCA covers us for all our business requirements, from equipment to liability, property, builds and everything in-between. Errol Williams is so patient and helpful; I am always confident that we are getting the best possible coverage at a competitive rate. Always the best service!


Jamie and his team have been great to deal with, providing transparent advice and excellent service!


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Our mission is to make insurance accessible. We put you in control of your insurance experience. FCA informs and empowers you, so you can choose amongst robust options, confident in the value of your protection and in the broad reach of your advocates.

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