Schools & education
Schools are responsible for children, which changes the character of every risk on the premises. The exposure is not primarily financial — but the financial consequences of an incident are severe.
The risks we see
What actually goes wrong in this sector.
Duty of care to minors
Liability arising from injury to a pupil is the defining exposure, and it extends to trips, sports and transport.
School transport
Buses carrying pupils combine motor risk with passenger liability and intense reputational sensitivity.
Term-time concentration
Fee income arrives in blocks. An incident forcing closure mid-term has an outsized effect on cash flow.
Buildings in constant use
Laboratories, kitchens and boarding facilities each add their own fire and accident exposure.
Cover that responds
What we would look at placing.
A starting point, not a recommendation. What you actually need depends on how you operate, and that is a conversation.
Public Liability Insurance
Injury to pupils, parents and visitors.
Personal Accident Insurance
Group cover for pupils, on and off site.
Fire & Special Perils Insurance
Buildings, laboratories and equipment.
Motor Insurance
School buses, including passenger liability.
Group Life Insurance
Teaching and support staff.
Gaps we find when we review existing policies
If you already have cover, start here.
These are the things we most often find missing when we read a policy in this sector. Any one of them is worth checking today, whether or not you ever speak to us.
- Liability cover that excludes off-site trips and sporting activities
- No personal accident cover for pupils, only liability — which requires proving fault
- Buildings insured at market rather than reinstatement value
- No business interruption cover for a closure that interrupts fee income