You are in: School Admin » Traded Support Services » Insurance Services

Insurance Services

The Insurance section of Hertfordshire County Council provides insurance policies to schools; we delegate to schools the responsibility for property, liability and other standard policies. We also provide optional extensions that schools are responsible for.

Update on Current Travel Situation - Coronavirus 17/03/2020
Travel- ATS Insurance
Travelling in the UK including the Channel Islands:

The Department for Education is not currently advising against domestic trips (residential and non-residential) for children under 18 organised by educational settings. However, educational settings should refresh their risk assessments to take into account the latest health advice and ensure measures are in place and agreed with parents in case children or adult supervisors believe they have been exposed to COVID-19 and exhibit symptoms that require self-isolation.

If the school decides to cancel the trip this would disinclination to travel and no cancellation cover would be in place, but we do advise to submit a claim to AIG travel for them to assess on its own merits.
If the trip operator cancels the trip you can submit a claim to AIG travel, and this will be assessed on its own merits.
Any trips that are not within the next few months it is advisable to wait and see what happens as this is a changing situation. If the operator cancels the trip you will be able to submit a claim to AIG travel for them to assess on its own merits

Travelling Overseas:

The government advises against any overseas trips for children under 18 organised by educational settings. This is because trip leaders would face significant challenges in making arrangements to ensure children’s welfare, should adult supervisors or children be required to self-isolate.

If the FCO has advised not to travel to the destination then you can submit a claim to AIG, and this will be assessed on its own merits. FCO advice can be found at the below website address:

If the school decides to cancel the trip this would be disinclination to travel and no cancellation cover would be in place, but we do advise to submit a claim to AIG travel for them to assess on its own merits.
If the trip overseas is not within the next few months the advice is to wait and see. If the operator cancels the trip or the FCO advice changes advising not to travel to the destination you will be able to submit a claim to AIG travel for them to assess on its own merits.

AIG Contact Details (Travel Insurer)
AIGtravelclaims@aig.com
0330 123 3126
Policy number: 0010565515


Travel Insurance Policy - Coronavirus 10/03/2020

The policy does not provide cover for the circumstances in the event of a quarantine. Due to the government officials of the respective country imposing it, the Insured (school) will be responsible for covering all of the extra costs for the quarantine itself and also rearranging any flights, accommodation etc. The policy excludes regulations or orders made by any public authority or government.

If school trips have already been booked, and the FCO advice changes to advise against all travel or against all but essential travel, then the policy cover will apply (subject to the terms, conditions and exclusions) and should provide cover under the Cancellation section for the costs which are unrecoverable from accommodation and travel providers. Please bear in mind that each claim is judged on its merits and the particular circumstances which apply.

If the school decides to cancel a trip where the FCO advice has not changed, then this would be disinclination to travel and not covered by the policy.


Risk Protection Arrangement

The Risk Protection Arrangement (RPA) currently offered to academy status schools by Central Government/DFE will be made available to all Local Authority Maintained schools with effect from the 1st April 2020.

All schools currently insured through Hertfordshire County Council’s Policies are tied in until the 31st August 2020 as per the agreement signed within the Delegated Funding Pack in 2016/2017; this was effective from 1st September 2017.

Hertfordshire County Council will continue to offer you the same insurance covers you currently have in place from 1st September 2020.

The rates that you are currently charged (Liability £3.99 per pupil including medical malpractice and Property £0.79 per square metre of area and £10.62 per pupil) will continue to apply in 2020/21 and we do not envisage these increasing in 2021 to 2022.

Please be aware that the RPA does not provide engineering or motor insurance; however HCC can continue to offer this cover to your school on the current basis and rate (subject to no change in your inspected plant/lifts or increase/decrease in your motor fleet).

If you wish to continue your insurance covers with Hertfordshire County Council from 1st September 2020 until the 31 of August 2022, please let us know by the 31 March 2020.

Please contact by email: insurance@hertfordshire.gov.uk or by phone 01992 555480.

 

Policies We Provide

 

Policy Details, Recharge Rates and Excesses

What do the policies cover and what do you need to do if you have a claim?

Public Liability

Insurer Name: QBE Insurance Ltd
Policy Number:Y083461QBE0119A
Limit of Indemnity: £50,000,000
Recharge Rate: £3.99 per pupil. This rate also includes medical malpractice.

This covers any injury to a third party (e.g. pupils, visitors to the school), or damage to property belonging to a third party.
If you receive a Public Liability claim please send to the Insurance Team as soon as you receive it, by email  to insurance@hertfordshire.gov.uk

Medical Malpractice

 

Insurer Name: Axis
Policy Number:809780MMA195
Limit of Indemnity: 10,000,000.00

 

This covers the school for any medical treatments/administering medication (subject to training) that you may need to provide to pupils.
Please notify us as you may need to complete an insurer’s form.
In the past we recharged you separately for Medical Malpractice insurance this is now charged within liability.

Employers Liability

 

Insurer Name: QBE Insurance Ltd
Policy Number:Y083461QBE0118A
Limit of Indemnity: £50,000,000

This policy protects the school against any injury that a member of staff may suffer during their employment.
If you receive an Employers Liability claim, please send to the Insurance Team as soon as you receive it, by email  to insurance@hertfordshire.gov.uk

Property

 

Insurer Name: Protector
Policy Number:622842-3.2
Excess: For each and every claim the school pays £500.
Recharge Rate: £0.792 per square metre of area and £10.62 per pupil.

This policy covers property for Fire, Lightning, Explosion, Riot & Civil Commotion , damage by Aircraft, malicious damage, Earthquake, Storm, Escape of water (including sprinkler leakage) impact damage, theft (involving forcible and violent entry or exit) falling trees and accidental damage.
If you wish to make a claim please telephone the Insurance Section immediately on 01992 555480 who will take the claim notification over the telephone.
We have the right to reject a claim should we not be notified within 30 days.  If you are making a claim for malicious damage or theft you must inform the police and obtain a crime reference number.

Motor  

Optional Extension (scheme)

Insurer Name: Zurich
Policy Number: QLA-19AA02-0023-59
Recharge Rate: £712 per vehicle. This rate is applicable to vehicles regardless of type and will therefore be relevant to any mini buses you have.

This policy covers school owned vehicles for accidental damage, fire, theft, windscreens and third party.
If you wish to make a claim please telephone the Insurance Section immediately on 01992 555480 who will take the claim notification over the telephone.
We have the right to reject a claim should we not be notified within 3 days. 

Computers

Optional Extension (scheme)

Insurer Name: Hertfordshire County Council
Excess: For each and every claim the school pays £500.
Recharge Rate:
Portable items- 0.50% of total value
Static items- 0.25% of total value

Computer insurance covers computer equipment against Fire, Lightning, Explosion, Riot & Civil Commotion , damage by Aircraft, malicious damage, Earthquake, Storm, Escape of water (including sprinkler leakage) impact damage, theft (involving forcible and violent entry or exit) falling trees and accidental damage.
If you wish to make a claim please telephone the Insurance Section immediately on 01992 555480 who will take the claim notification over the telephone. We have the right to reject a claim should we not be notified within 3 days.  If you are making a claim for malicious damage or theft you must inform the police and obtain a crime reference number.
For more details about computer insurance please see below in Optional Extensions (Schemes).

Engineering

Optional Extension (scheme)

Provider Name: HSB Engineering
Recharge Rate: The cost will vary and will depend on item specifications. The cost will only be known after the first inspection has been completed.

 

Engineering is a statutory requirement which you can opt into and have organised through ourselves.
If you organise engineering yourselves you need to ensure that inspections and services on the equipment are completed every 6 or 12 months depending on the specification of the equipment.
For more details about engineering please see below in Optional Extensions (Schemes).

All of the above policies run from the 1st September 2019 and expire on the 31st August 2020.

Optional Extensions (Schemes)

If you do not buy in to one of the schemes mentioned below. It is the schools responsibility for making all insurance arrangements to levels approved by the LA (to protect our position).
The below Schemes are optional and if you would like to be part of any of the schemes please contact insurance@hertfordshire.gov.uk
The current schemes run between 1st September 2019 to 31st August 2020.

Third Party Hirers

Third party hirer’s liability insurance is an extension of public liability insurance.
If your school is registered under the Third Party Hirers Scheme, when required we will ask you for your total lettings income for the scheme year. We will then recharge you 10% of your total lettings income.
In the case of a free let, normal letting fee should be considered. If the lettings income is low then the minimum of £1 per session should be charged.
Lettings from hirers who have got their own insurance (minimum of £5m public liability) should be ignored.

If the hirer or users of HCC premises have their own public liability insurance you need to ensure that they have the standard minimum level of cover of £5 million. This will cover them in the event of them being held liable for damage to HCC property injury or loss to individual(s) due to their negligence. 
The school should obtain a copy of the prospective Hirer’s Certificate of Insurance. If the prospective Hirer does not have such insurance or their insurance is inadequate, then they may be covered under the County’s Third Party Hirers (TPH) Insurance Scheme.  

The following activities or hires will not be covered under this scheme:

  • Meetings organised by political parties
  • Professional entertainment
  • Commercial or business functions
  • Martial arts/Football/Pilates
  • Sporting injuries caused by one participant on another
  • Fireworks

These are excluded for a purpose, and you may wish to insist upon these restrictions, even where the hirer does have their own cover.

The policy is subject to a £250 excess that the hirer will have to pay in the event of a claim.

Annual Travel Scheme

There are two categories of cover which the school can choose from:
 

  • Category A Off-Site insurance only- This insurance cover is available to pupils and teaching staff when they are on authorised and organised trips outside the designated school boundaries.

This insurance provides cover for accidental bodily injury resulting in death, loss of limbs and eyes, hearing and speech, a permanent partial disability, temporary disability (adults only), emergency medical, dental treatment or hospitalisation; legal expenses; personal liability; cancellation, curtailment or rearrangement of your trip; damage to personal possessions and loss of your money during the trip.
 

  • Category B Off-site and On-Site insurance- In addition to off-site insurance cover as explained above, on-site insurance extension is also available.

This covers pupils and teaching staff when they are within the school boundaries and whilst travelling directly to and from home. This insurance provides cover for bodily injury resulting in death, loss of limbs and eyes, hearing and speech, a permanent partial disability, hospitalisation, and dental treatment.

If you are registered for the scheme, we currently email you every year asking for your pupil and staff numbers and what category of insurance you require. We will recharge you based on the rates below:

 

Per Pupil

Per Teacher

Category A Off Site Cover

£0.39

Nil

Category B Off Site and On Site Cover

£1.00

£1.24

 

Computers

Computer insurance covers computer equipment against physical loss or damage.
It does not include:

  • Damage caused by viral or other cyber-attacks.
  • Losses from vehicles or public transport
  • Theft (unless this involves a forced entry or exit form a school building)
  • Unexplained disappearance
  • Increased cost of working or reinstatement of data cover

An excess of £500 applies to each and every claim.
 
If you would like to be part of the scheme, you will need to provide the total value of portable items (laptops, tablets, and iPads) and static items (PCs, desktops, servers and fixed interactive boards) to the Insurance Section to be covered for computer insurance. 

We will then recharge you based on the values below: 

  • Portable items- 0.50% of total value
  • Static items- 0.25% of total value

Engineering

In September 2017 the engineering company changed to a company called HSB.
If you have opted to have engineering insurance, HSB will contact the school to arrange a suitable date to carry out the inspection. The cost will vary and will depend on item specifications. The cost will only be known after the first inspection has been completed. 
HSB will only inspect items that require a statutory inspection; these items are non-domestic boilers, pressure vessels, lifts, lifting equipment and machinery. 

After the inspection has taken place you will be sent copies of the inspection reports, you will receive these from us in the Insurance Team. These reports will identify any imminent or time qualified defects and observations of repairs that might need to be carried out. It is the responsibility of the school to read and take any actions that have been advised in the report.

FAQ’s

Key Holders
Who can be key holders?
  • A third party or school member that run the before and after school clubs.
  • Cleaners
  • Long term hirers
  • School personnel and school governors

We advise the above should only be key holders to reduce the risk of theft and or arson occurring in your school, if theft and or arson occurs without forcible entry or exit your school would not be covered by the insurance policy.

Third Party or Cleaners

Contracts should already be in place with the third party of the before/ after school club and cleaners. In the contract it should state who the key holders are, the key holder’s responsibilities, the importance of locking up correctly, their responsibilities for returning the keys if they leave and a contact number will need to be provided of a member of the senior management team for them to call if necessary.

Long Term Hirers

If the hirer is a long term hirer, a signed agreement would need to be in place detailing who the key holders are, the key holder’s responsibilities, the importance of locking up correctly, their responsibilities for returning the keys if they leave and a contact number will need to be provided of a member of the senior management team for them to call if necessary.

If the hirer is a one off hirer and not a long term hirer they should not be a key holder.

Guidelines for Key holders:
  • Keys holders should be kept to a minimum where possible.
  • Keys should not be given to third parties other than described above.
  • Ensure keys are returned when a staff member, hirer or cleaner described above leaves.
  • Hirers of the school need to be let in by a school staff member (site manager) if they are a one off hirer.
  • The school then needs to be locked up by a staff member at the end of the hiring if they are a one off hirer.
  • A staff member does not need to be on site for the duration of the hiring.
  • Rooms with valuable items in, such as IT Suites need to be locked or secured wherever possible. If an item was stolen i.e. a laptop without forcible entry or exit there would be no cover in place for this item.
  • Where possible restricted access should be given.
  • If possible where the hirer is unknown or it’s a hiring where the numbers vary a head count should be undertaken in and out.
  • It is recommended that key holders should be 18 years of age.
Bouncy Castles

Our insurance does not cover the use of bouncy castles; this would be down to the owner or supplier of the bouncy castle.
If you hire a bouncy castle from a third party, the third party should arrange their own public liability insurance. Their policy limit should be at least £5 million in any one occurrence.

Please be advised to ensure the following:

  • Risk assessments are in place.
  • The bouncy castle should be maintained and suitable checks should be carried out before it can be used for the event.
  • Continuous supervision should be available during the activity by trained staff.

Fireworks

Fireworks are not covered under HCC’s insurance policy.
You could arrange a separate insurance cover or get your PTA to insure. The PTA should have their own insurance in place to cover these types of events.

School Dogs

The insurance policy in place does not provide cover for dogs in schools; however it does cover therapy dogs.

If the dog is being trained as a therapy dog and will be used as a therapy dog within the school, then cover would be in place once the dog was trained (all relevant training documentation would need to be held by the school). 

Our Liability Insurer will not consider adding cover for a dog as a dog is considered a risk for several reasons and is not deemed educational.

Please see below link where a teacher informed the school they were allergic to dogs. The therapy dog went in to the school, the teacher had no direct contact but went on to have a severe allergic reaction to the dog:

Forest Schools

The leader of the forest school should have undertaken the forest school course and risk assessments provided by the forest school should be prepared by the fully trained leader.
More information about Forest Schools can be found at:

PTAs

PTAs should have their own insurance; they will not be covered by HCC insurance policies. There might also be activities that will not be covered by HCCs policies and you may need to ask your PTA to insure.

Seasonal Fairs

If you are holding a fair- summer, Christmas etc. We advise that these are run and insured by your PTA.

School Governors

School Governors are covered under HCCs liability policies.

Voluntary Aided Schools

The diocesan is the property owner of Voluntary aided schools; however you are able to buy into our Liability, Motor and Schemes insurance.

Claims from Pupils

Please be aware that the courts allow minors until their 21st birthday to pursue liability claims or 3 years from the diagnosis of an illness, injury or learning disability. This means that notification of claims can be received many years after the completion of the pupils schooling. Record keeping and retention of documents is important. Following DPA guidelines will help if you were to receive a claim.

School holiday security

A school holiday security guidance document has been created to help you plan and ensure suitable security arrangements are in place.
If you do have any questions, please contact insurance@hertfordshire.gov.uk.

For more information please contact us by email: insurance@hertfordshire.gov.uk or by phone: 01992 555480