K-12 Insurance

K-12 Student Accident Insurance: Protecting Students When It Matters Most

Accidents happen – more often than you might think. In 2024 alone, over 1.3 million school-age children in the US visited the ER due to sports or recreational injuries*.

SiriusPoint’s Student Accident Insurance provides straightforward, reliable protection for students, staff, and volunteers across K–12 activities – from classroom learning and gym class to interscholastic sports, field trips, before/after‑school care, and summer programs, on or off school grounds.

With decades of expertise, our team offers flexible, customisable coverage designed to ease financial strain and strengthen your risk strategy. No hidden conditions. No jargon. Just real support from specialists who understand the K–12 environment.

Every school is different and your coverage should be too. That’s why we offer optional enhancements such as crisis death, deferred dental expenses, expanded sports medical coverage, and bereavement and trauma counselling.

Backed by deep experience and a commitment to clarity, SiriusPoint helps you streamline claims and protect your school community with confidence.

Learn more about our K–12 offering and optional benefits by downloading our flyer here.

*National Safety Council analysis of U.S. Consumer Product Safety Commission NEISS data*


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Are schools prepared for student accidents?

From playground injuries to organised sports and school trips, K-12 environments are designed to be safe and well-managed.

Yet even in the most carefully run schools, unexpected incidents can and do occur.

To help brokers and schools prepare for these situations, SiriusPoint has developed a practical School Protection Guide designed to support better planning, stronger protection strategies and greater preparedness across K-12 environments.

The guide explores key considerations around student accident risks, operational preparedness and insurance protection – helping education stakeholders better understand where vulnerabilities can arise and how to respond effectively.

The guide includes insights on:

  • Student accident preparedness planning
  • Operational risk considerations
  • Coverage and protection awareness
  • School trip and activity exposure
  • Supporting safer K-12 environments
Are schools prepared for student accidents?

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Special Risk Accident Insurance — Find out more