Excess Liability Insurance for Schools in Texas

Protect Your School from the Unexpected

Many Texas schools struggle to find an insurance provider with both the reinsurance strength and efficient claims handling needed to manage today’s complex risk environment.

Without these safeguards, your district or institution can face delays, denied claims, or gaps in coverage—especially when high-dollar incidents occur.

The Public Educators Association of Texas delivers the stability and responsiveness public schools and community colleges need to protect their people, property, and budgets.

Call 903-571-1367 to open an account and request a custom quote for excess liability insurance.

Trust PEAT for Excess School Liability Insurance in Texas

Protect Against Catastrophic Losses

Shield your district from devastating financial losses by covering claims that exceed the limits of your primary liability policy.

Close Coverage Gaps

Fill critical coverage gaps caused by exclusions or aggregate limits in standard policies, ensuring protection for unpredictable risks.

Extend Your Legal Defense Funds

Reinforce your legal defense budget with funds that protect against mounting attorney fees and court costs during prolonged lawsuits.

Coverage Highlights

Limits up to $4,000,000 available (subject to approval)

Provides extended financial protection for large-scale claims that exceed standard liability limits, helping schools manage catastrophic risks.

$1,000,000 sexual abuse and molestation sublimit

Offers dedicated coverage for highly sensitive claims involving student safety, helping institutions respond to serious allegations with appropriate financial and legal support.

Limits over General Liability, Automobile Liability, and School Board Legal Liability available

Adds an extra layer of protection across multiple policy areas, ensuring broader coverage for lawsuits that could impact school operations, personnel, or transportation.

Texas House Bill 4623 addresses the liability of public schools and professional school employees for sexual misconduct involving students.

Key provisions include:

Joint Liability: Public schools and individual employees are jointly liable for damages if a claim is proven.
Damages: Claimants can seek up to $500,000 in damages per claim.
Remedies: The bill waives governmental immunity and abolishes official immunity for employees in these cases, allowing for more straightforward legal recourse for victims.

Disclaimer: The Coverage Document, not this webpage, forms the contract between the Member and the Pool. The Coverage Document contains limits, exclusions, and conditions that are not listed here. All coverages are subject to individual underwriting judgments and to state legal and regulatory requirements. This webpage is provided for informational purposes only.