Our Products

We Provide a Commercial Alternative

There are also several covers which fall outside of the RPA’s package which your school may need. Some have coined these the “RPA Plus” covers, which include: Cyber, Motor, Motor Occasional Business Use, Engineering Inspection and Contract Works.

School Insure can provide both Commercial Combined Packages and ‘RPA Plus’ cover. Please see the guide below to find out what each policy covers:

We Provide a Commercial Alternative

The Department of Education’s Risk Protection Arrangement provides schools with a package which has almost benchmarked what a school’s core insurance package should look like. We can provide a commercial alternative that looks to mirror the cover in the RPA ‘policy’. The terms we provide for this commercial package would be presented on a ‘per pupil’ basis for comparative purposes.

There are also several covers which fall outside of the RPA’s package which your school may need. Some have coined these the “RPA Plus” covers, which include: Cyber, Motor, Motor Occasional Business Use, Engineering Inspection and Contract Works.

School Insure can provide both Commercial Combined Package’s and ‘RPA Plus’ cover. Please see the guide below to find out what each policy covers:

We Provide a Commercial Alternative

Commercial Combined Package

Material damage

A term used to describe physical loss or destruction to property or contents.

Business interruption

The increased cost of working when school operations have to stop due to an unplanned event or disaster which affects its performance.

Employers’ liability

A legally required policy which protects your business against the cost of compensation claims made in the event of an employee injury or work-related illness.

Public Liability / Third party liability

Public liability insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities. Public liability insurance covers the cost of compensation for personal injuries, loss of or damage to property, and death.

Trustees’ / Governors’ liability

Cover for breaches of duty by Trustees and Governors.

Professional indemnity

Professional indemnity insurance is a type of business insurance that covers you for costs you might face if your work, service, or advice causes a client to suffer a loss – either financial or reputational.

Fidelity / Employee and third-party dishonesty

Direct pecuniary loss due to the dishonesty of school employees and/or theft of money by computer fraud.

Money

Loss of money whilst in transit or outside the geographical limit of the school.

Personal accident

A policy that will cover you for accidental death or a specified injury.

United Kingdom travel

Compensation for travel related costs inside the geographical limits of the UK.

Overseas travel including winter sports

Compensation for travel related costs abroad, including winter sports cover. Key features include cancellation, rearrangement and curtailment.

Legal expenses

An insurance policy which covers the cost of legal advice or the legal costs involved in pursuing or defending a civil claim.

Cultural assets

Loss or damage to Cultural Assets (including works of art) owned by or the responsibility of the academy.

Non Core / RPA Plus Covers

Cyber

Cyber insurance seeks to protect your school from threats in the digital age, such as data breaches or malicious cyber hacks on work computer systems.

Motor

Minibus and vehicle insurance cover for employees and volunteers to use insured vehicles

Motor Occasional Business Use

Cover for employees and volunteers using their personal vehicles during school business on an occasional basis.

Engineering Inspection

Inspection of all plant requiring a statutory inspection under PUWER/EAWR/LOLER/COSHH/PSSR regulations.

Contract Works

Cover for large construction or refurbishment works which exceed £250,000 in value.

Staff Absence

Covers you against the increased cost of working as a result of a staff absence. A claim can cover you for the costs of procuring a substitute teacher and/or sickness pay.