What does Educational Institution Insurance cover?

This policy protects your buildings and their contents against damage, covering the cost of rebuild or repair.

If your business is unable to operate due to an insured event, this policy covers the value of lost income while you get back on your feet. Some policies also cover the cost of relocation if your premises are unavailable.

If your institution has any employees or volunteers, it must hold a valid Employers' Liability policy by law. This will pay for legal defence or damages in the event that an employee suffers illness or injury as a result of negligence.

This is a core component of commercial insurance. It is designed to protect your organisation in the event of claims for damage or injury to third parties as a result of negligence.

Protection in the event that your institution loses data or suffers a malicious cyber-attack. This policy covers the cost of recovering data, phishing and managing reputational damage.

Sometimes referred to as PI Insurance, this provides cover for mistakes, errors and omissions when providing a service. It covers the cost of putting the mistake right, or legal defence if you are taken to court.

Also known as Directors & Officers Liability Insurance, this cover is designed to protect your directors, managers, governors and trustees against alleged wrongful acts, for which they might be found personally liable.

If a student has an accident, this valuable policy will pay compensation which can be used to cover the cost of medical care.

If your employees travel overseas in the course of their work, Travel Insurance is a vital consideration. Covering the cost of transport, medical care and cancellation, this policy gives them peace of mind.