Public liability insurance
This insurance protects the council, the school employees and governors against their legal liability for accidental bodily injury, illness or disease to third parties or accidental loss or damage to third party property arising out of the school's usual activities.
The cover extends to indemnify the council's employees, governors, volunteers, parent teacher associations (when acting as a body for the benefit of the school) and members of management committees set up to assist in carrying out the education function.
Cover is conditional on the council ensuring "that all reasonable precautions are taken to prevent or minimise accident, injury, loss or damage and all regulations imposed by any competent authority are complied with". For example, safety clothing and equipment must be worn or used when applicable and all regulations as laid down by the chief education officer must be adhered to.
Certain outdoor activities may need additional insurance
Volunteer staff/ parents must be under the control and supervision of a suitable member of staff, have their duties and responsibilities fully explained to them and the headteacher must satisfy himself/herself that they are capable of executing the duties required of them.
In addition to school tuition the cover extends to include "away from school activities", visits to firms and community studies, providing they are officially organised and supervised by the school.
Risk assessments should be carried out in advance of all activities to enable the school to minimise the risk of injury, loss or damage.
The council also requires that all contractors carrying out work on site have a minimum of £5 million public liability insurance.
Employer's liability insurance
This insurance protects the council and governors against their legal liability for bodily injury, illness or disease suffered by any persons under a contract of employment or apprenticeship with the council or school arising out of and in the course of their employment.
In order for a claim to succeed, the claimant must prove that the council, employees or governors were negligent in causing the injury.
Official's indemnity (errors and omissions)
This policy indemnifies the council, school employees and governors for all sums they become legally liable to pay as compensation for loss or damage (other than arising from bodily injury or illness or physical loss or damage to property) occasioned by any negligent act or accidental error or omission committed or alleged to have been committed by the council' school employees or governors.
Libel and slander
This policy protects the council, school and governors against their legal liability for:
- libels appearing in any publications normal in the school's business by employees and governors
- slanders uttered by employees or governors in the course of their official duties
Note: the personal indemnity given to governors of the school is subject to the governor bearing 10% of all the sums payable - limited to a maximum of £500 any one claim.
Personal accident insurance
Employees - all duty
The council holds personal accident cover for all employees which provides compensation should the employee sustain bodily injury whilst engaged on official duties, including travelling to and from the place of work. The benefits provided would depend on the degree of the injury and would relate to the following scale:
- Death or loss of one or more limbs or eyes or other permanent total disablement - 5 times gross annual earnings.
- Permanent partial disablement - varying percentages of the above.
- Temporary total disablement - weekly/monthly top up to full pay, for up to 104 weeks from the date of the accident.
This policy also covers the following classes:
- Teachers on out of school activities
- Pupils on work experience
Other personal accident policies
School journey insurance
Personal accident insurance is also incorporated as part of the school journey insurance package.
Pupils on work experience
The council's insurance will cover its responsibilities for the placement of students with employers and the supervision of those placements. However, whilst under a placement pupils are under the control of the employer and the employers own insurance must cover the pupil as an employee of the firm. This is explained in the guidelines for work experience.
In the event of the work experience organiser or pupil being asked to sign an undertaking, indemnity or exclusion of liability, in respect of a work experience Scheme, the document must be submitted to the chief education officer who will send it to the County Solicitor for examination and signing, after consultation with the council's Insurance Team.
This process can take several weeks therefore schools should not expect an indemnity to be dealt with in a matter of days or that an indemnity will automatically be signed by the County Solicitor.
Note: it is imperative that work experience organisers or pupils should not sign any indemnity or other insurance document on behalf of the council.
Buildings and equipment
All property owned by the county council, or for which it is responsible, is covered against the consequences of the following perils:
- Riot and civil commotion
- Storm, tempest, flood
- Bursting and overflowing of water tanks, apparatus or pipes
This insurance will replace/repair all items damaged by the above perils. It will also provide temporary accommodation for up to two years, if necessary, whilst any reinstatement is being undertaken.
It will also cover the cost of recreating records that have been lost, whether paper or computer records.
Cover for theft, vandalism and accidental damage is an optional cover. Where there is no insurance cover, schools should meet losses from their delegated budgets.
Schools should keep an up to date inventory of all equipment in a fireproof safe or away from the premises.
Equipment on council property needs to be covered under the Engineering insurance policy to ensure compliance with Health and Safety Regulations. Under the regulations, there is a statutory requirement for all equipment to be added to the schedule to enable regular inspections to occur. These inspections are organised by our insurers and carried out by trained inspectors and are different to the service and maintenances of the equipment as they specifically assess the risk the equipment holds.
The type of items which need to be covered included (but are not limited to) pressure boilers, air receivers, goods and passenger lifts, chain blocks and lifting tackle, scaffold towers, Science equipment (such as Fume cupboards).
There are three main types of engineering insurance which are:
i) Breakdown Cover - This insurance applies to the unexpected breakdown of electrical and mechanical plant and machine equipment. For example the policy would cover failure of lift door opening gears and burn out of motors. Please note that this cover excludes wear and tear of the machinery and expendable parts.
ii) Sudden and unforeseen damage - This insurance relates to sudden and unforeseen damage which necessitates the immediate repair or replacement of the equipment. For example the policy would cover impact damage, weld failure or cracking of the equipment.
iii) Explosion and Collapse Cover - This insurance relates to damage caused to the equipment and surrounding property following an explosion. For example the policy would cover explosion
The purchase of new equipment should be reported to the Insurance Team immediately, so that the appropriate cover can be arranged.
This policy provides cover in respect of the loss of money or property belonging to or in the trust or custody of the school for which it is legally responsible as a result of fraud or dishonesty on the part of the school's employees.
This policy gives an indemnity to governors and also includes losses of unofficial school funds (including PTA funds).
Summary of cover
|Policy||Policy number||Limit of Indemnity/
Sum insured £
|Public Liability||50 million||nil|
|Employers Liability||50 million||nil|
|Officials Indemnity||5 million||nil|
|Libel & Slander||5 million||School - nil
Governors - 10%
|Employees||5 x Annual Salary||nil|
|Pupils on work experience||7,500||nil|
|Personal Effects & Money||As stated in policy||15.00|
|Legal Liability||5 million||nil|
|Policy||Policy number||Limit of Indemnity/
Sum insured £
|Fire & Related Perils||QLA18AC040013||Property Value||nil|
|Fidelity Guarantee||QLA18AC040013||2 million||nil|
The insurances below are additional options and cover needs to be arranged for these policies directly with the Insurance Team.
|Theft Vandalism & Accidental Damage||OCCTVAD||Property Value||Nursery 100.00
|Third Party Hirers||TP18AC040013||5 million||50.00|
|Loss of Revenue||OCCLOR||4,000||nil|
|Personal Accident - Governors||PAS18AC040016||25,000||nil|
|Personal Accident - Pupils||PZ923882547