School & Education Insurance Australia – What Schools Need to Know

Introduction

Schools are more than classrooms—they're bustling communities of students, staff, volunteers, and visitors. With so many moving parts, risks can arise in a flash. Whether it's a playground accident or a cyber attack on school data, insurance plays a crucial role in keeping Australia’s educational institutions safe and supported.

Top Risks for Educational Institutions

• Student Injuries: Accidents on school grounds can result in complex liability claims.
  
  

• Cyber Breaches: Increasing digital operations make schools targets for cybercrime.
  
  

• Staff Liability: Teachers and admin staff are exposed to employment and negligence-related risks.
  
  

• Facility Damage: Fires, floods, or vandalism can disrupt operations and learning.
  
  

• Legal Claims: From discrimination to governance disputes, legal risks are on the rise.
  
  

Essential Insurance Policies for Schools

• Public Liability: Covers injury or damage claims involving students, visitors, or contractors.
  
  

• Professional Indemnity: Protects staff against claims of educational or professional misconduct.
  
  

• Cyber Liability: Covers breaches involving student or staff data, ransomware, and digital systems.
  
  

• Property & Asset Insurance: For school buildings, furniture, IT equipment, and supplies.
  
  

• Management Liability: Protects school boards or leadership against wrongful acts, governance errors, or compliance breaches.
  
  

Who Needs This Insurance?

• Independent/private schools
  
  

• Early childhood education centres
  
  

• Training organisations (RTOs)
  
  

• Religious or community-based education providers
  
  

• Special needs schools
  
  

Why Angelic Insurance?

At Angelic, we specialise in tailored insurance for educational institutions. We understand the sensitive regulatory environment and diverse stakeholder needs—delivering peace of mind with every policy.

✅ Trusted coverage for private and community schools
✅ Cyber risk readiness for modern learning environments
✅ Guidance aligned with Australia’s educational compliance landscape

Secure your school’s future—before risks become reality.

Important Notice & Disclaimer

The content provided on this page is for general information purposes only and does not constitute personal financial product advice. Angelic Insurance Pty Ltd and its authorised brokers do not provide personal advice, and the information on this website has been prepared without taking into account your individual objectives, financial situation, or needs. Before making any decision, you should assess whether the information is appropriate for your circumstances and consider seeking professional advice. Insurance products referenced on this website are subject to eligibility criteria, underwriting assessment, availability, and the terms and conditions of the respective product issuers. Angelic Insurance does not guarantee acceptance of cover or the ongoing availability of any product, nor does it make any representation regarding the suitability or performance of any third-party product. While every effort is made to ensure the information provided is accurate and up to date, details may change without notice, and no warranty is given as to the accuracy, reliability, or completeness of the content. Angelic Insurance and its brokers accept no liability for any loss, damage, or inconvenience arising from the use of, or reliance on, the information provided. All trademarks, product names, logos, and intellectual property referred to on this website remain the property of their respective owners. Angelic Insurance does not claim ownership of third-party content unless expressly stated. If you are the owner of any referenced material and have concerns about its use, or if you require information about the rightful content owner, please contact compliance@angelicinsurance.com.au.Use of this website signifies your understanding and acceptance of this disclaimer