Classify the actual operation
Age range, hours, licensing, curriculum, before-and-after care, elementary grades, camps and transportation determine exposure. A Montessori preschool and a private K–8 school may require different markets.
Materials and environment
Inventory classroom materials, specialized furniture, outdoor equipment, technology and tenant improvements. Explain classroom supervision and mixed-age practices accurately.
Broader operations
Disclose summer camps, enrichment classes, parent programs, rented facilities and affiliated entities. The named insured and policy schedule should match the organization.