Education

This is travel cover for groups of pupils, teachers, parents, and volunteers. It covers accidents and other issues, such as cancellation and lost bags. Learn more about school trip insurance.

This covers legal fees and compensation costs if a third party is ill, injured, or dies, or their property is damaged, and your establishment is held responsible. 

This includes claims from parents, pupils, visitors, and passers-by – but not employees.

If staff are accused of breach of duty or other mistake in their work, this insurance can cover legal defence and compensation costs awarded from a claim. The types of risks it covers include accusations of: 

• Negligence
• Misrepresentation
• Defamation
• Breach of confidentiality
• Data loss
• Intellectual property infringements

This covers the cost if someone you employ has a work-related illness or injury and claims against your establishment. This includes staff, governors, trustees, volunteers, and trainees, full-time and part-time. You need this cover by law if you employ anyone.

This provides protection for key figures such as members of the board, trustees, and officers, if they’re accused of wrongful acts. It covers a range of decisions and actions, including breach of trust or duty and breach of health and safety legislation.

This covers the cost of rebuild, repairs, or replacements after an unexpected event (such as a fire, flood, or storm) damages your building and belongings. Buildings insurance is for the physical structure, and contents insurance can cover anything from sports equipment to office machinery. 

Policies can also cover theft and malicious damage, accidental damage, and building subsidence. 

This covers breakdown of machinery and business interruption, including when moving computer equipment from one site to another. It can also cover statutory inspection services.

This is cover for your vehicles. So that’s coaches, vans, and grounds maintenance and agricultural vehicles, for example. It can also include occasional business use for staff using their own vehicles for work.

If an unexpected event stops your establishment from functioning as usual – such as a fire or a flood – this insurance helps cover lost revenue and expenses until you’re back up and running.

This provides financial protection and incident management if a cyber event – like malware, phishing scams, or hackers – leads to unauthorised access of data and disrupts your operations. To find out more, get in touch.

If you find yourself in need of legal help, such as for contract disputes, this can cover the cost of legal representation and awards of compensation made against you.  

If you lose your core people through illness or death, this can cover the financial impact. If the specified person dies or is diagnosed with a terminal illness, it will pay out a cash lump sum. This can help your organisation recover – whether from lost income or loss of confidence.