School District Insurance


In 1860, there were only six public high schools in Pennsylvania. School attendance was not mandatory until 1895. Today, there are 500 school districts encompassing K-12 in the Commonwealth, and about 88 percent of the population completes high school. Over our more than 160 years in business, Gilbert’s Risk Solutions has been proud to help protect many of Pennsylvania’s public school districts, as well as many private educational institutions.

School districts have a special circumstance when it comes to insurance. In addition to buildings and property exposures, there’s an all-important mission of keeping students safe. This encompasses a variety of venues: safety while in the classroom, in the playground, in gyms, on sports fields, on school buses, and, occasionally, on field trips and special events.


This mission is especially challenging in that most school districts face tight budgetary constraints. That’s why it’s vital for school districts to have an experienced risk management partner that can provide a wide range of loss control and ancillary services, a one-stop risk management shop for students, teachers, property, and liability issues. Gilbert’s Risk Solutions hopes to be that partner for you.


While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk and we look forward to helping you, too – no matter where it is that you call home.

Common Insurance for School Districts



Additional Services


Our goal is to be your outsourced risk management partner

Business owners know that there’s always something that can go wrong.  Whether it’s a production delay due to a problem in the supply chain or a worker injury on the plant floor, you need to protect your operations, your productivity, and your bottom line. Gilbert’s Risk Solutions can help.

Our goal is to be your outsourced risk management partner

School boards and teachers have enough to worry about with educating students and keeping schools running smoothly – they shouldn’t have to worry about calamities, lawsuits, and liability. Gilbert’s Risk Solutions has experience with common risk management issues facing schools and other public entities. We partner with school leaders to identify areas of potential exposure and to recommend solutions to mitigate the risk.

Our Process

The Gilbert’s Risk Solutions process is a consultative one, based on a risk management approach. Our proprietary RISK SHIELD® Process identifies your exposures and puts a loss control plan in place to mitigate those exposures. While schools face many similar risks, each district has its own set of issues, exposures, and vulnerabilities. We’ll help you identify these and propose solutions to help protect your students, your educators, and your property.

Tailored Solutions

Following a risk assessment, we recommend the services and insurance coverage that is right for your school district. Often, solutions involve insurance coverage, but just as often, they encompass recommendations for a process, safety training, or a policy that will reduce an exposure. Our Loss Control and Claims Managers are experts in issues facing school districts and committed to providing superlative service.

360 degree approach

We take a 360 degree view of your safety to ensure that all aspects of your school district are protected. Our team of experts in Employee Benefits, Human Resources, Surety Bonds, and compliance issues are all available to our Gilbert’s Risk Solutions public entity clients, ensuring multi-pronged approach to risk mitigation.