Our products

Whatever the needs of your independent school, our range of professional products delivers the total protection required.

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Our range of policies has been developed to provide effective protection for your school, pupils and fee payers.

Through expert consultation and advice, our account managers will tailor your portfolio of insurance so you can be completely confident that you have the right cover options in place.

We want to build a strong partnership with you to anticipate and respond to your school’s evolving requirements.

That’s why working with us is both easy and rewarding.

Together, we can create a safer future for your school.

School fees insurance

Financial peace of mind

Did you know that every 22 minutes a child loses a parent*? If you put this into the context of your own school, several children in every year group may go through this harrowing experience. This may result in a pupil having to move school disrupting their education at the worse possible time. In the event of a parent or fee payers subsequent death after taking out insurance we will pay termly fees direct to your school until the child concerned reaches 18 or leaves school.

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International pupils

A world of opportunity

We recognise that international pupils often have more complex insurance needs, their parents naturally want additional assurances that their children are properly protected throughout their stay in the UK. Our specialist international pupils' insurance policy, developed exclusively for non-UK national pupils travelling to the UK to study, will help you to make sure your pupils are protected from the moment they apply to study at your school, through their journey to the UK and until they return home.

It includes cover for personal possessions, reimbursing prepaid course fees for curtailed study, costs of bringing a relative to the UK following a medical emergency, medical costs not covered by the NHS, and legal liabilities for third party damages.

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Pupil absence protection

Financial peace of mind

Our pupil absence protection insurance offers financial security for your school and your fee payers, in the event that a pupil is absent for an extended period of time due to illness or injury. The cover will allow you to claim the cost of reimbursing the fees for the missed proportion of term. Valuable cover that provides peace of mind for parents and guardians during a potentially difficult time and supports your school’s value proposition.

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Personal accident

Support when most needed

Unfortunately, accidents do happen, and in some instances can be life changing for pupils and their families. That’s why it is important to have a personal accident policy in place. We offer a range of cover options from £100,000 to £1,000,000 with dental cover included as standard, so your pupils and staff are fully protected. Whether injuries happen during sport or play, our policy covers permanent disability, death, dental injuries, burns and scars.

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Pupils' personal possessions

Mitigating loss, theft or damage

Modern technology has not only transformed day to day lives, it has also transformed the way in which schools teach and pupils learn, with schools providing tablets for lessons becoming more popular. Replacing laptops or tablets can be expensive and can interrupt learning – that’s why our pupils’ possessions policy insures against damage, loss, and theft of valuables. Bicycles, musical instruments, art equipment and other valuables are also covered which may be particularly important to boarders.

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Travel insurance

Global protection

Drawing upon over 35 years' experience of providing travel insurance for school groups we understand the requirements you may have. Our products include emergency medical fees, cancellation and curtailment, missed or delayed departure and baggage cover as standard.

We’ve partnered with market-leading medical assistance provider CEGA Assistance, for vital services including international emergency medical assistance, repatriations, remote local medical support, medical assessment, emergency evacuations and crisis management. So, wherever your pupils or colleagues are in the world, the CEGA experts will be there to help 24 hours a day, 365 days a year.

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Bespoke commercial insurance products

Providing protection to the school against a wide range of risks. We can provide comprehensive cover across the following:

Designed to support and protect you in the event of a data breach or if you are the subject of an attack by a malicious hacker that affects your school computer systems.

Access to a risk management platform which detects potential reputational threats online. Also provides 24/7 legal support and PR advice. Our insurer partners can also provide tailored risk management solutions including bespoke survey programmes, training/workshops, service plans and loss prevention standards.

Insures your school’s legal liability to pay damages from claims by third parties including visitors and pupils for death, bodily injury or damage to property and covers the costs of compensation to anyone who is injured by any products supplied by the school. Abuse cover is included as standard and the policy can be extended to include additional liabilities such as Legionellosis, Medical Malpractice and Hirer’s Liability.

Provides indemnity in respect of schools legal liability to pay damages for death, illness injury or disease of any employees, governors, trustees, study exchange or work experience trainees arising out of employment.

For buildings which are either owned by your school or for which you are made responsible under a maintenance agreement. Cover can be extended to include accidental damage and subsidence. Similarly, contents insurance can be provided for any items you own or are required to insure. Items such as audio visual equipment, computers and office machinery, stock, general fittings, fine arts and sports equipment can be covered for all risks including accidental damage.

Provides cover for your school if you are unable to continue operating as a result of an insured peril i.e. fire or a storm. This insurance covers the loss of income or additional costs incurred following physical damage to your property.

This is an important area of cover that can often be miscalculated and could have a detrimental impact on your ability to continue operating when such disasters strike.

Protects you against claims made in respect of your legal liability for losses arising from a breach of professional duty.

Protects directors and trustees in the event that they commit a wrongful act (including breach of trust/duty, breach of care, misappropriation of funds and breach of health and safety). Without this cover, individuals can be held personally liable to the full extent of their wealth or assets. Often these policies can be extended to include claims made against the organisation as well as an individual.

Protects your school against theft, fraud or dishonesty by your employees.

Protects your motor fleet including occasional business use for staff required to use their own vehicles on school business (minibuses/vans/agricultural/grounds-keeping vehicles).

Providing an important benefit for your key staff and their families, private medical insurance gives access to private healthcare, minimising waiting times for important treatment and care.

Protects computers, plant and equipment against machinery breakdown and business interruption as well as providing statutory inspection services.

Access to legal assistance including employment disputes, contract disputes, charity commission investigations and tax protection.


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