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In Hertfordshire we delegate to all schools the responsibility for property, liability, and other standard policies. Schools are also responsible for some other insurance policies referred to as optional extensions
We are confident that the vast majority of schools will find that the County Councils insurance scheme will compete with alternative quotations. It should also be borne in mind that cover offered elsewhere may be inadequate, excesses may be higher, and in the event of a claim, the support of the insurance section would be lost.
How to buy back into the County Council Scheme
If you wish to buy back into the County Council's standard insurance scheme the cost will be the same as the amount delegated.The delegated amount will be identified separately in your budget share documentation.
The County Council's corporate insurance arrangements are based on a three to five year contract so it is proposed to run the buy back for the same period.
The current scheme started on the 1 April 2008 and expires on the 31 March 2011.
New funding packs will be forwarded to all schools prior to the next renewal date.
If you require any further information please contact e mail firstname.lastname@example.org or telephone 01992 555480.
You are advised to read the following notes before obtaining quotations.
You can only use insurance companies which have a Standard and Poors rating of at least A.
Any external arrangements entered into must provide cover for all the types of insurance outlined in Section 1 of Appendix A with at least the minimum specified limits. In particular the need for full reinstatement cover on all property insurance, and a limit of £25 million for employers liability and public/products liability insurance is drawn to your attention.
Any external policy must name Hertfordshire County Council as a joint insured.
Liability policies are either written on a claim made or claim occurring basis.
Claim occurring basically means that the date of a claim reflects the date on which an incident occurred. Public and employers liability policies are written on this basis.
Claim made basically means that the date of claim reflects the date of a Claimants first letter, and the Authoritys official indemnity (OI), libel and slander (LS) and professional negligence (PN) policies are written on this basis. You must ensure that your OI, LS and PN policies are written on the same basis.
A retroactive date will however be imposed on a policy written on a claim made basis. Any financial loss where the act giving rise to the claim occurred prior to the retroactive date will be excluded. This can cause a particular problem with the trend toward pursuing failure to educate claims as previously explained. A substantial retroactive date must be obtained.
Certificates for Employers Liability insurance now have to be retained for 40 years and schools will have to demonstrate that suitable arrangements were put in place and kept in place to comply with legislative requirements if external cover is arranged.
Adequate cover for governors personal liability must be arranged. It should be recognised that failure to notify the Insurance Manager of separate insurances that subsequently prove to be inadequate could involve governors in substantial personal liability.
If a school does not buy back into the corporate scheme it will be responsible for making all its insurance arrangements to levels approved by the LA (to protect our position).