Insurance Designed for Faith-Based Education
Protection for Christian and Private Schools Across Missouri
Whether your school is independent, church-run, or part of a larger faith-based organization, Fortner Insurance provides coverage tailored to the needs of Missouri’s Christian and private schools. From student accident policies and sports liability to educator protection and property coverage, we help administrators navigate their risk with confidence.
As a Brotherhood Mutual partner, we offer school insurance rooted in decades of Christian education experience. Need more coverage? Explore our
church and
employee benefits options.
What we cover
Faith-Based School Insurance That Goes Beyond the Basics
School Property Insurance
Covers classrooms, administrative buildings, playgrounds, equipment, and learning technology from loss or damage.
School Liability Insurance
Protects against injuries, accidents, or lawsuits on school grounds or during events.
Educator Liability
Covers legal defense for teachers and staff in the event of professional liability claims.
Student Accident Insurance
Available coverage for student injuries during sports, recess, or field trips.
Sexual Misconduct & Abuse Coverage
A critical layer of protection for institutions serving children and youth.
Directors & Officers (D&O) Insurance
Protects your school board and leadership from personal liability.
School Auto Insurance
Covers vans, buses, and other school-owned vehicles used for daily transportation or off-site trips.
Event & Trip Coverage
Additional protection for off-campus events, mission trips, or sports travel.
Umbrella Insurance
Adds extra coverage beyond your base liability limits.
Why Missouri Schools Work With Fortner
Local Experience. Faith-Aligned Values. Tailored Support.
We Understand Your Mission
We work with Christian schools every day, and we know the difference between a standard policy and one that fits your values.
We Help You Navigate Risk
From sports injuries to board-level liability, we help schools anticipate gaps and protect what matters.
We’re Easy to Reach
Questions? Claims? Annual reviews? We offer personal service with a real person on the other end of the line.
School Insurance FAQs
What Christian and Private Schools Often Ask
What insurance do private schools need?
Most schools need property, general liability, student accident, and educator liability coverage. We’ll tailor it to your size and structure.
Do Christian schools need special insurance?
Yes. Faith-based institutions face unique exposures—especially if they’re connected to a church. We’ll make sure policies align properly.
Is student accident insurance required in Missouri?
Some schools provide it voluntarily, while others require it for athletics. We’ll help you understand options for sports, field trips, and daily activities.
Does my school need Directors & Officers coverage?
If you have a board of directors or governing council, yes. D&O insurance protects their personal liability for decisions made on the school’s behalf.
Can one policy cover both church and school?
Possibly, if your school operates under the same legal entity as your church. We can review your structure and make a recommendation.