Insurance for private schools, boarding schools and tutoring in Germany
A private school takes responsibility for hundreds of children every day, along with buildings, specialist rooms and school trips. A tutoring centre is smaller but carries the same duty of supervision, and its students often have no statutory accident cover at all. This page shows how each of these is insured.
Are our pupils covered by statutory accident insurance?
It depends on the type of school. Pupils at state approved Ersatzschulen are covered like those at state schools through the state Unfallkasse, the public sector accident insurer for pupils, including on the way to and from school. At Ergänzungsschulen (supplementary private schools), language schools and tutoring centres this cover usually does not exist. There, group accident insurance taken out for all students fills the gap.
What goes wrong in this trade
01
Supervision and breaks
A scuffle in the playground, a fall from the climbing frame, a child leaving the grounds unnoticed: lapses in supervision are the most common liability claim.
02
Specialist rooms and PE
Chemistry experiments, the workshop, the gym: this is where serious accidents happen, and where investigators check whether safety rules were followed.
03
School trips
Ski trips, language trips, a day's hike: accidents, illness abroad and damage to accommodation all land with the school.
04
Buildings and equipment
A fire in the canteen, water in the server room, a break-in at the computer room: school buildings are full of expensive technology.
05
Pupil data
Reports, special educational needs, health data and learning platforms: data breaches at schools involve minors and are judged strictly.
06
Governance and finances
School fees, state subsidies, staff costs: board members of school associations and managing directors are liable for mistakes with grants and contracts.
For school fees and running costs when lessons have to move to temporary premises after a fire.
What it costs: example prices
Tutoring centres are cheap to insure. For private schools, premiums depend on the number of pupils, type of school, owning the building and specialist rooms; boarding schools with overnight stays are rated higher.
Insurance
Example
Typical range
Business liability
Tutoring centre with turnover up to 30,000 euros, 3 million euros cover
about 100 to 250 euros a year
Business liability
Private school with 300 pupils and specialist rooms
about 800 to 2,000 euros a year
Group accident insurance
Tutoring centre with 150 students a year
about 100 to 300 euros a year
Electronic equipment
Tablets, laptops and interactive whiteboards worth 80,000 euros
about 800 to 1,600 euros a year
D&O insurance
Board of a school association with a 3 million euro budget, 1 million euros cover
about 700 to 1,500 euros a year
For comparison: Liability and accident cover for a tutoring centre cost about as much a year as ten hours of tutoring.
Guide prices excluding German insurance tax, as of September 2026,
based on published tariff examples for trainers,
associations and D&O and on our own quoting experience.
Hardly any premiums for private schools are published, so we obtain the exact quote for you.
Six things that really happen at private schools and tutoring centres, all on a single school day. Tap through the day and see who pays.
Damage so far€124,500
Break-in at the computer room: 25 tablets and two projectors are gone.
€14,000 · Paid by: Electronic equipment
During morning break, a pupil falls from the climbing frame that had been reported as wobbly for weeks.
€18,000 · Paid by: Business liability
At the tutoring centre, a student trips over a cable and breaks two teeth.
€3,500 · Paid by: Group accident insurance
Acid splashes during a chemistry experiment, a pupil suffers burns on her arm and the parents say safety goggles were missing.
€9,000 · Paid by: Business liability
The learning platform is hacked, and support plans and grades appear online.
€20,000 · Paid by: Cyber insurance
A short circuit sets the canteen kitchen on fire; lessons move to temporary rooms for two weeks.
€60,000 · Paid by: Business contents
Which package would you have had?
Paid by insurance: €0
Out of your own pocket: €124,500
Illustrative amounts before any excess.
What is paid depends on the policy terms.
Practical tips from your broker
Check for each type of school whether your pupils are covered through the Unfallkasse, and take out group accident insurance if not.
Have school trips, exchanges and language trips abroad expressly included in both liability and accident cover.
Keep records of defects reported on play equipment and specialist rooms and when they were fixed: after a claim, that is the decisive evidence.
Insure tablets and laptops that pupils take home with cover away from the premises.
Choose at least 5 million euros of cover for schools, and rather 10 million for boarding schools.
Freelance tutors should be named on your policy or show proof of their own professional liability cover.
Why NAMMERT for your business
We sort out the school types
Ersatzschule, Ergänzungsschule, tutoring: what is covered by law depends on this. As a broker we clarify it and get only what is really missing, from several insurers.
We know claims handling in practice
In boat insurance we handle claims ourselves. When parents make demands and the insurer examines the supervision, we know what matters.
For providers and school leaders
From the school building and the technology to D&O cover for the board, we match the policies to each other, with one contact for everything.
A family business since 1989
Education is a long term business, and so is our advice. It is free for you, as the insurer pays our commission.
Frequently asked questions
Questions and answers
Does a tutoring centre need liability insurance?
Not by law, but when you teach minors it is essential.
Landlords and partner schools almost always ask for proof.
Are tutoring students covered for accidents?
No, private tutoring is not covered by the statutory accident insurance for pupils.
Group accident insurance from the centre often costs just a few euros per student.
Who is liable on a school trip?
The school as provider and, in cases of gross negligence, the teacher.
The school's public liability protects both,
provided teachers are co-insured and trips abroad are included.
Does a private school have to insure its building?
Not by law, but banks and landlords require it,
and without insurance a fire could threaten the school's survival.
Tenants insure their furnishings and equipment themselves.
What does insurance for a private school cost?
A school with around 300 pupils in rented premises usually pays about 2,500 to 5,500 euros a year
for liability, accident, contents, equipment and D&O.
Are pupils' tablets insured at home?
Only with cover away from the premises under electronic equipment insurance,
or through a loan agreement that obliges the parents to insure them.
Settle this before handing them out.
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