Insurance and Risk Management. Giving your independent school peace of mind
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1 Insurance and Risk Management Giving your independent school peace of mind
2 You are in safe hands As one of the leading providers of risk and insurance solutions to the UK s education sector, we appreciate that each and every independent school is individual and will have its own unique requirements. In an increasingly challenging and competitive environment, we understand that managing risks and their impact on finance is more vital than ever. With this in mind, we tailor cover to the uniqueness of your independent school to give you the peace of mind that you are covered and will receive real support should a major incident occur. A personal service for your independent school We encourage a face-to-face partnership approach to working relationships to enable an in depth understanding of your school. You will deal directly with our dedicated team of specialists that will always be there when you need them: Your risk and insurance consultant the gateway to our leading school specialists, products and services. Your underwriting team offer specialist support on your current and future risk and insurance needs. Your claims service manager reviews your claims regularly and shares best practice to help manage your claims portfolio. Your risk specialist developing the most effective solutions and provide best practice risk management training.
3 We ve chosen Zurich Municipal insurance more than once in preference to other products and providers. Our risk and insurance consultant has been instrumental to this and we are grateful to her for her excellent service and to Zurich Municipal for their excellent product. Simon Jackson, Bursar at Reading Blue Coat School We ll help you manage your risks more effectively Our ethos is about helping you identify potential risks and providing practical guidance to eliminate or reduce these risks. We understand that whilst some risks, while not high or critical in a three to five year period, could emerge as being quite devastating and chip away at the long term viability of independent schools. Failure to effectively identify and manage potential risks can have a devastating effect on an independent school one incident can spiral out of control and create a series of knock-on events. Tilden Watson, Head of Education at Zurich Municipal Rewarding good risk management practices Our approach rewards good risk management practices that many independent schools already follow. Therefore significant savings are available to schools that meet our criteria. We view independent schools as a niche group and price for the long term. This means that our premiums remain relatively constant ensuring our customers have more budget certainty. We ll be there for you when you make a claim Our award winning claims service will see your claim through from start to finish, minimising any disruption to teaching and learning and keeping you updated. We have a dedicated team available for employers and public liability related claims and another for property claims ranging from minor building damage to a major fire or flood. Our major incident team will be able to provide broader support on claims, such as assigning a major incident expert to manage the response. We can also provide media support to help guide your school and protect its reputation. We ll provide you with tailored cover We appreciate that no two independent schools are the same. For this reason, we offer a full range of cover that can be tailored to meet your schools individual requirements.
4 What can we offer you? Material Damage (Buildings and Contents) Business Interruption Works in Progress Money Public Liability Employers Liability Hirers Liability Libel and Slander Governor s Liability Computer Motor Risk Engineering Deterioration of Stock Fidelity Guarantee Personal Accident School Journey Commercial Legal Expenses Damage to Reputation Death of Pupils Full all risks cover based on your sums insured This covers additional expenditure and loss of revenue in the event of a loss under the material damage section All risks cover for any refurbishments or building works This covers cash, stamps, cheques etc. and money in private residences or locked receptacles in the premises This is where we provide cover for injury to third parties i.e. students, damage to third party property and failure to educate claims This provides cover for injury to employees suffered as a result of negligence by the school This provides public liability to third party hirers who do not have their own cover whilst hiring your premises This provides cover for employees and governors This covers defence costs and damages for governors against alleged maladministration This provides cover for material damage to computer equipment, costs and expenses for replacing or restoring data and information, additional expenditure and additional interest, and loss of revenue Comprehensive cover for any vehicle owned and operated by the school. We can also provide occasional business use cover for employees and/or governors for infrequent or unplanned business use of their own vehicles We can provide inspections to ensure compliance with statutory health and safety requirements This covers loss of or damage by deterioration or putrefaction to goods stored in any cold storage space This covers theft by employees We can provide cover for pupils, governors, volunteers and employees. You can choose between assault only, or accident and assault This provides worldwide travel cover for school trips or excursions and for winter sports This is provided by DAS Legal Expenses Insurance Company Limited. You will also have access to their legal advice helpline and counselling services free of charge This covers the mitigation of damage to the insured s reputation following a financial loss over 1m up to 50k public relations cover This is available as an extension to the business insurance cover: upon the accidental death of a pupil during the period of insurance. Two or more pupils to a single cause of a violent and visible means up to 100,000 Lottery Syndicate This is available as an extension to the business insurance cover: 25,000 limit for employee(s) who resign due to Lottery/NS&I win over 100,000 Essential Personnel (Business Insurance extension) Additional cover available for key personnel in the insured organisation Computer Policy Business Travel Professional Negligence Terrorism This is available as an extension to the business insurance cover: cover for additional expenditure due to the death or total permanent disablement of any principal director or partner at work. 25k limit We can provide a computer policy: cover such as loss of internet services We can offer business travel insurance for staff trips We can offer professional negligence We can offer terrorism insurance
5 Zurich Municipal has a pragmatic approach to insurance. They have a thorough approach to assessing risk and ensuring sufficient and appropriate cover. This is reflected in competitive premiums and ongoing risk assessments, particularly with regards to mechanical infrastructure. We are pleased with our association with Zurich Municipal and can recommend them within the independent education sector. Andrew Pope, Bursar at Horris Hill School We ll provide you with additional key features Other key benefits to help minimise disruption of teaching and learning due to an incident include: Minibus Breakdown cover DAS Business Law Our Risk Engineering team Health and Safety Resource AA Minibus Breakdown hire Provision of minibus breakdown support including pickup and transfer on of students if the vehicle cannot be fixed at the roadside Provision of legal documentation templates which will aid schools in providing and meeting required terms of contracts etc for employees Building Resilience Helping customers identify the potential risks facing key building(s) and providing effective an economic solutions to eliminate or reduce these risks. Entails full vulnerability assessment completed by a member of our risk engineering team Our Riskline Helpline to offer practical guidance on a range of risk topics such as property, security and business continuity aspects, health and safety queries including food hygiene, water, asbestos and environmental issues How can we help you? Don t let insurance and risk worries get in the way of running your independent school, speak to us, as experts in our field we are as passionate about education as you are. If you have any questions, would like full details of our claims awards or would like to talk to one of our team please contact us at info@zurichmunicipal.com. You can also read interesting newsworthy articles around key topics within the education sector at newsandviews.zurich.co.uk. Visit our website at zurichmunicipal.co.uk on Twitter
6 Zurich Municipal is a trading name of Zurich Insurance plc, a public limited company incorporated in Ireland. Registration No Registered Office: Zurich House. Ballsbridge Park, Dublin 4, Ireland. UK Branch registered in England and Wales, Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ. Authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. These details can be checked on the FCA s Financial Services Register via their website or by contacting them on Our FCA Firm Reference Number is Copyright Zurich Insurance plc All rights reserved. Reproduction, adaptation or translation without prior written permission is prohibited except as allowed under copyright laws (05/15) RRD
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