Trade School Insurance

Trade School Insurance

Trade School Insurance

Learn what kind of coverage you need as a Trade School. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Trade School. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Trade School. Ready for a quote? We'll help protect your practice quickly and simply.

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Save up to 35% on premiums

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Why Does a Trade School Need Insurance?

Trade schools bring students, instructors, tools, and jobsite-style training under one roof. Insurance helps cover injuries, property damage, and claims tied to instruction, equipment use, and campus operations so one incident does not derail enrollment or cash flow.

What Does Trade School Insurance Cover?

It can cover student and visitor injuries, damage to leased space or training bays, theft or breakdown of tools and equipment, and lawsuits alleging negligence in instruction, supervision, or advertising.

Student injured during hands-on training

A student cuts a hand on a saw in the carpentry lab and needs stitches. The claim can involve medical costs and allegations that safety procedures or supervision fell short.
A student cuts a hand on a saw in the carpentry lab and needs stitches. The claim can involve medical costs and allegations that safety procedures or supervision fell short.

Fire or water damage shuts down the shop

A small electrical fire damages wiring and smoke contaminates materials. Repairs, cleanup, and lost tuition revenue during closure can become a major expense.
A small electrical fire damages wiring and smoke contaminates materials. Repairs, cleanup, and lost tuition revenue during closure can become a major expense.

Stolen tools and training equipment

After-hours theft wipes out laptops, welders, or diagnostic scanners. Replacing specialized gear quickly matters so classes can continue on schedule.
After-hours theft wipes out laptops, welders, or diagnostic scanners. Replacing specialized gear quickly matters so classes can continue on schedule.

Trade School Insurance Made Simple

Everything you need to know about protecting your business, from coverage basics to real-world scenarios.

What insurance does a trade school typically need in California?

Most trade schools start with general liability and commercial property coverage, then add workers’ compensation if they have employees. Many also consider professional liability for instruction-related allegations and commercial auto if the school owns vehicles. The right mix depends on your programs, equipment, and whether you lease space.

Does general liability cover student injuries during training?

How do insurers look at higher-risk programs like welding, HVAC, or automotive?

If we rent our facility, what coverage might the landlord require?

Can property insurance cover tools, machines, and specialized lab equipment?

How quickly can we get a quote, and what information do you need?

What insurance does a trade school typically need in California?

Most trade schools start with general liability and commercial property coverage, then add workers’ compensation if they have employees. Many also consider professional liability for instruction-related allegations and commercial auto if the school owns vehicles. The right mix depends on your programs, equipment, and whether you lease space.

Does general liability cover student injuries during training?

How do insurers look at higher-risk programs like welding, HVAC, or automotive?

If we rent our facility, what coverage might the landlord require?

Can property insurance cover tools, machines, and specialized lab equipment?

How quickly can we get a quote, and what information do you need?

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.