Primary and Secondary Education Institutions Insurance
Ensuring primary and secondary education continues to inform the future
Primary and secondary education plays a vital role in the development of the youngest generations. Travelers knows that such a high level of responsibility carries many unique risks that need to be accounted for. Our dedicated team has the deep experience required to both confidently determine these risks, and cover institutions on an individual basis.
Institutions can rely on an insurance and risk management provider with long-term understanding of the educational sector. We aim to develop comprehensive, flexible and tailored policies that work to reward well-managed risks. With Travelers, educational institutions can focus on what matters most – shaping the future of today’s youth.
Our appetite
We cover
These fall within our appetite, and we’re happy to discuss details.
- Independent schools
- Academies
We’ll consider
We may need more information to confirm a fit.
- Schools and colleges for the disabled
We do not cover
Sorry, we’re currently unable to insure the following.
- Free schools or charter schools
- International schools
Primary & secondary education covers & highlights
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Material damage
- Protection against ‘all risks’ or fire and selected perils for property, including
- Buildings
- Contents
- Fixtures and fittings
- Protection against ‘all risks’ or fire and selected perils for property, including
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Business interruption
- Cover for reduction in gross revenue and/or additional cost of working suffered in consequence of material damage
-
Computer
- Specially designed cover for computer equipment and records
-
Money
- Cover for loss of money and personal injury arising from robbery or assault
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Fidelity guarantee
- Protection against loss of money or property through theft or fraud by employees
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Employers’ liability
- Covering legal liability to employees for death, injury or disease arising out of their employment
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Public liability
- Legal liability insurance cover for third-party injury or property damage, including many additional benefits such as libel and slander cover as standard
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Professional liability
- Protection against claims for damages brought against the college or school arising from dishonesty or breach of professional duty
- Protection for governors against liabilities incurred as a result of breaches of duty, trust or authority arising out of their official responsibilities
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Distinct from the competition
- Travelers has a host of unique features that separate our primary and secondary education coverage from the competition, including
- Risk control
- Ability to portfolio price
- Abuse cover extension (to £5 million)
- Healthcare treatment risk extension (to £5 million)
- Tenure in the sector
- Local presence
- Specialist underwriters
- Travelers has a host of unique features that separate our primary and secondary education coverage from the competition, including
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Legal expenses
- Underwritten and handled by DAS Legal Expenses Insurance Company Ltd. Education-specific covers include
- Schools admission appeals
- Exclusion of students
- Underwritten and handled by DAS Legal Expenses Insurance Company Ltd. Education-specific covers include
Explore our legal expenses coverage.
Business questions
These questions will give you a sense of the information needed to write a policy.
- How is the school funded? Do local authorities provide any funding?
- What services and activities are carried out, including details of any support or care provided to students?
- What is the health and safety policy?
- What are the staff qualifications, training and checks?
- What are the facilities on the premises and how are they managed?
Let's get specific
These are the kinds of detailed questions we will ask to better understand day-to-day operations.
Are laundry facilities on site?
Are kitchen facilities on site?
What leisure facilities does the premises have, e.g., swimming pool, gym?
Does the premises have automatic fire detection?
Are there any listed buildings within the premises?
What controls are in place in respect to contractors working at the premises?
Can the institution provide an overview of the maintenance programmes in place?
Are there any construction projects planned?
What was the last outcome of a statutory inspection, e.g., the Office for Standards in Education, Children’s Services and Skills (OFSTED)?
Does the school offer contact sports? If so, what are the current concussion protocols?
Is there any non-curricular use of facilities by the public?
Are any practical subjects, like woodworking, offered?
Does the school have a medicines policy that complies with the guidelines of the Medicines and Healthcare products Regulatory Agency (MHRA)?
What is the staff-to-student ratio?
How are staff members’ suitability to work in the sector assessed? Examples of checks include Disclosure and Barring Service (DBS), Disclosure Scotland, Access Northern Ireland, references.
Is there a whistleblowing policy?
Is cover for abuse required?
Have there been any allegations of abuse against the facility or its staff?
Are any work placements or apprenticeships offered; if so, how are these managed?
Are there any written guidelines for the protection of vulnerable adults and children?
Is there a written infection control and prevention procedure, including use of personal protective equipment (PPE)?
Are there isolation facilities in the event of infection?
Does the institution employ nurses?
What is the typical age range of students?
We’ll need an overview of the needs of the students supported, including details on the following:
- Are any students non-mobile or non-verbal?
- Do any students have a history of violence, aggression, sexual offences/behaviour, arson or fire setting, or other criminal offences?
Related products
Further/higher education
For colleges and universities, asset and liability protection is essential. Our education insurance programme can meet the requirements of a range of establishments.
UK property owners
In addition to protecting property from fire and theft, storms, and floods, this specialist policy can also cover key exposures for property owners, including subsequent loss of rent and public and employers’ liability.
Let’s start the right conversation
For business
Find a broker
If you’re looking for covers and have a broker, ask about Travelers products.
If you need a broker, start with the right broker directory.
Need to call us directly? Contact us.
For brokers
Let’s save some time
We can figure out what’s best for your client when we’ve got the right information. Please review the questions on this page to get a sense of what we need to know.
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