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Oracle RMS Insurance

Education Insurance

Industry Insurance — Oracle RMS Insurance

Education Insurance

Insurance for private schools, tutoring businesses, training providers, and educational organizations across Canada.

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Educational institutions and training businesses face a unique combination of liability, professional, and property exposures. From student injuries on campus to professional liability for educational advice and cyber risks from student data, the insurance needs of educational organizations are complex. Oracle RMS works with private schools, tutoring businesses, training providers, and educational nonprofits to build comprehensive insurance programs.

Who needs this coverage?

Private schools, tutoring centres, language schools, vocational training providers, online education businesses, driving schools, music and arts schools, sports academies, and any organization that provides educational services.

Key coverages

  • Commercial general liability
  • Professional liability (educational malpractice)
  • Cyber liability (student data)
  • Commercial property
  • Business interruption
  • Directors & officers
  • Employment practices liability
  • Sexual abuse and molestation liability
  • Umbrella / excess liability

Frequently Asked Questions

What insurance does a private school need?
Private schools need commercial general liability, professional liability (educational malpractice), cyber liability for student data, commercial property, directors and officers, and employment practices liability. Sexual abuse and molestation liability is also critical for any organization working with minors.
What is educational malpractice insurance?
Educational malpractice (professional liability) covers claims alleging that an educational institution or instructor failed to provide adequate education, resulting in financial harm to a student. It also covers claims arising from professional advice given in an educational context.
Why do educational organizations need cyber liability?
Educational institutions store significant amounts of sensitive student data — personal information, health records, and financial data. A data breach can result in significant costs for breach response, regulatory fines, and student claims under PIPEDA and provincial privacy laws.
What is sexual abuse and molestation liability insurance?
Sexual abuse and molestation (SAM) liability covers claims alleging sexual abuse or molestation by employees, volunteers, or contractors. It is essential for any organization that works with minors and is often excluded from standard CGL policies.
Do online education businesses need insurance?
Yes. Online education businesses face professional liability, cyber liability, and intellectual property exposures. If you provide advice or instruction that students rely on, professional liability is essential regardless of whether you operate online or in person.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.