School Insurance FAQs
School Insurance FAQs
It is essential that supervision is undertaken by a person trained to supervise in large numbers. This will in most cases mean a teacher. Parents, who may be nominated in certain circumstances to supervise, must be accompanied by and under the direction of a member of teaching staff.
- Who is responsible for pupils when they are dropped off before and waiting for collection after School hours?
Courts will argue that it is a practice known to Schools for parents to leave pupils before hours or collect them after hours, and in that acceptance is the obligation to provide supervision. However, there is some mitigation which can be made. We recommend that a note is sent to all parents at the beginning of term advising them of the hours at which the School can accept responsibility for their children. A sample circular would include:
“The School will open to receive pupils at the hour of 9 a.m. No responsibility is accepted for pupils arriving before that time. Classes will commence each day at 9.15 a.m. No pupils should arrive later than 9.10 a.m.
Classes will end each day at 3 p.m. Parents who wish to have their children escorted home should make their own arrangements to have them met at the School gate and the person to escort them should be at the School not later than 3 p.m. as the School cannot accept responsibility for looking after the children after that time.”
NOTE: The times shown are for illustrative purposes only. When issuing such a circular you
should insert the actual times which are in operation for your school.
- What levels of supervision are required for School trips, the yard?
There is no simple answer as to what constitutes the ‘correct’ level of supervision. However, it is advisable that the following influencing factors be taken into account - age, maturity and number of pupils as well as the topography of the area that requires supervision. The degree of supervision by a teacher should be that of ‘reasonable care’ i.e. equate to the supervision levels of a careful parent. This is supported in Rules 121 (4) and 124 (1) of the Rules for National Schools and Section 23 (2) of the Education Act 1998 which oblige teachers to take all reasonable precautions to ensure the safety of pupils and to participate in supervising pupils when the pupils are on school premises, during school time and/or on school activities.
- Does the School have to provide supervision on the School bus?
If the bus is organised by the School then it is the responsibility of the Board of Management to organise supervision. The pupils are still legally the responsibility of the School as this would be deemed a School related activity.
If the bus is organised by a third party (i.e. the school have no involvement), then the responsibility for organising supervision on the bus lies with the provider of the service.
Administration of Medicine
- Is the School covered to administer medication to pupils?
Yes, there is cover provided for Administration of medicine under the Custodian School Protection Policy. Cover is provided arising out of or in connection with the:
(a) supply and / or administration by qualified nursing staff of drugs injections or medicines as prescribed by a qualified medical practitioner
(b) supply and / or administration by a responsible adult of drugs or medicines as prescribed by a qualified medical practitioner
(c) supply and / or administration of drugs or medicines which are available without prescription
(d) taking of blood samples by qualified nursing staff as prescribed by a qualified medical practitioner
All Schools should have a clear administration of medicine policy which is agreed with relevant parents and staff.
- Who are responsible for the Schools’ Administration of Medication Policy and what should it include?
The Board of Management are responsible for devising and implementing the Administration of Medicine Policy.
It is up to each School to set out their own administration of medication procedures, some of which include:
- The Board of Management should be satisfied that appropriate training has been provided, and all parties should be aware of what is expected of them.
- A second staff member should also be trained as back-up in case the original staff member is out sick or unavailable.
- The medicines should be clearly labelled and safely stored (or refrigerated if necessary) in their original container.
- Security and accessibility are equally important when medicines are taken on School trips.
- A written record should be kept of the dates and times of administration and a note of any side effects. Any guidelines as outlined and agreed with the Schools Management Association should be followed.
- The administration of medicine procedure should be agreed with parents of pupils who may require medicine to be administered during Schools hours. Written instruction and consent should be received from the parents.
Use of School by Third Parties
- Do Outside Groups require their own insurance?
Yes.Any outside group using the School must have the necessary insurance in place. This could include after School homework club run by a member of staff, use of hall for leisure activities or committee member meetings.
- What level of insurance is required?
Public Liability - A minimum Limit of Indemnity of €2.600,000 must apply. Depending on the activities of the outside group, a Limit of Indemnity of €6,500,000 may be required.
Employers Liability – If the outside group have any Employees, they will also require Employers Liability Insurance with a Limit of Indemnity of €13,000,000.
A copy of the outside groups insurance should be kept on file for record purposes and a revised copy supplied annually.
- Do Parents Associations require their own insurance?
This depends on the activities being organised by the parents association.
- If the parents association restrict their activities to meetings and assisting in activities organised by and under the control of the schools Board of Management, cover can be provided under the Custodian School Protection Policy.
- If Parents Associations organise their own activities such as fund raisers for the school, which are not run by the schools Board of Management, they will require their own public liability insurance.
Fund Raising Events
- Are fund raising events covered?
Yes, once it is carried out with the full knowledge and authority of and under the control of the Board of Management, cover is provided under the Custodian School Protection Policy. All funds raised must be for the benefit of the School.
Depending on the activities being organised certain requirements and/or warranties may apply, such as:
- BBQ Requirements
- Bouncing Castle Requirements
- Pony/donkey riding Warranty
(this list is intended as a sample of the type of restrictions and warranties that may apply to fund raising events)
These are not restricting the use of BBQ’s and bouncing castles, but rather setting out precautions that must be taken in their safe operation.
Please notify Allianz of such events and their activities and we will send you the appropriate requirements/warranties.
Use of Teachers Cars
- Does the Allianz Custodian School Protection Policy cover a Teachers Road Traffic Act liability whilst using their car on School business?
No. Teachers liability for passengers in a car or for any third party injury or damage arising from the use of a teachers car on school business is a matter solely for the teacher‘s motor insurance. However, liability which attaches to the Board of Management in the event that the teacher‘s insurance should prove defective, is covered by the Custodian School Protection Policy.
- How should teachers arrange their motor insurance?
Like any individual, teachers are free to arrange their motor insurance with whatever insurer they wish. Bearing in mind, however, that teachers may carry pupils to sports matches or to hospital in an emergency, some guidance is necessary.
To include carrying of pupils, school equipment etc. in their own car, teachers are advised to have the extended Class 1 usage of the vehicle which is Social, Domestic and Pleasure Purposes and use by the insured in person for his/her business.
This will give the additional cover required only when the teacher insured is driving. The teacher should therefore check the position with his/her insurer before using their vehicle on school related business.
- What if the teacher has an accident whilst using his/her car on school business?
The teacher’s personal motor insurance will cover any liability arising out of the use of their car on school business subject to the extension of Class 1 usage. If Comprehensive cover has been arranged then it will also cover damage to the teacher’s car. But there will be an excess with the possible loss of No Claim Bonus/Discount and subject to policy terms and conditions.
- Why should the teacher have to suffer loss and lose No Claim Bonus when he/she is using the car on behalf of the school?
This problem has been recognised and we have extended the Custodian School Protection policy to include such financial loss suffered by a teacher in the event of involvement in an accident whilst using the car on behalf of the school. The limits any one claim provided are:
(a) Loss of No Claim Bonus/Discount up to €3,500
(b) Premium Loading up to €3,500
Subject to an excess of €100 and subject to policy terms and conditions.
- What if the teacher’s motor insurance is not Comprehensive?
The cover provided under the Allianz Custodian School Protection Policy has also been extended to include damage to a teacher’s car in the event of an accident whilst using the car on school business up to a limit of €50,000 subject to an excess of €100 and not otherwise recoverable from any other source.
- What about teachers and other staff cars parked in the school grounds?
It is not uncommon for teachers and other staff to park their cars in the school grounds however it should be remembered that in most cases
(a) the Board of Management make spaces available only as a concession
(b) the Board of Management does not make a charge for such spaces
(c) the Board of Management does not undertake to safeguard the vehicles whilst parked
Consequently cars parked in the school grounds are parked at the owners own risk.
Any injury or damage caused by or to a teacher’s or staff members car whilst parked on the school premises is a matter for the car owners own motor insurance.
- Is driving to and from School a School Related Activity?
Driving to and from a persons normal place of work is not a School Related Activity and the Allianz Custodian School Protection Policy does not cover any injury loss or damage which arises while a teacher or other staff member is traveling to and from work in the normal course of their day to day activities.
To protect the interests of the school it is recommended that schools have adequate checks in place for teachers who use their vehicle on school related business.
- Where can I find help when compiling my Schools Safety Statement?
- The HSA (Health & Safety Authority) have vast amounts of resources and advice specifically directed at Schools who are completing/updating their safety Statements. These can be found at www.hsa.ie/Education and include risk assessment templates.
- Allianz Guide to Insurance Safety & Security in School contains guidance on how to compile your Schools safety Statement and an overview of what should be contained within. Refer to chapters 4 & 5.
- Can I draft the safety Statement myself?
Yes. The Safety Health & Welfare at Work Act 2007 states that the Safety Statement must be completed by a competent person. School staff would be the best placed to assess the risks in a School. We would advise that a safety committee is set up to review safety in the School and compile the statement. It is also a good idea to get as many of the School staff as possible involved in the process to spread the work and raise awareness of safety in the school.
- Who is responsible for Safety in the School and compiling the Safety Statement?
The Board of Management of the School are legally responsible for safety in the School and to ensure the Safety statement is compiled and regularly updated. Therefore safety should be an item on the Board of Management agenda and actions points from the previous risk assessments should be discussed and advanced. However, all members of staff have responsibility for safety in the School and should be encouraged to identify hazards and bring them to the attention of the safety committee.
- Do Allianz provide assistance and / or guidance on Safety Statements?
Allianz cannot compile your safety statement for you but we do have local representatives based around the country who can visit your School and assist you in this area.
- Are Volunteers covered under the Custodian School Protection Policy?
Volunteers engaged by the Board of Management are included under the definition of an Employee within your Custodian School Protection Policy. However, volunteers must be supervised by a member of the Board of Management or teaching staff while they carry out their duties.
- What are the requirements for volunteers?
Volunteers must be approved by the Board of Management. All volunteers must be fit to carry out the work they are being asked to complete. Volunteers are subject to the same Child Protection vetting and legislative requirement and guidelines as regular employees.
Summer / Easter Camp
- Are Summer / Easter camps covered by the Custodian School Protection Policy?
Summer / Easter camps are specifically excluded from the Custodian School Protection Policy. If the camp is being run by and under the control and supervision of the Board of Management, the School Protection Policy can be extended, however an additional premium will be charged. If the camp is being run by the teachers, for their own financial benefit, they must take out their own insurance policy.
- What Information do I need to provide in order to get a quotation?
In order to give a quotation, we need to know the activities taking place, the number of pupils, the number of teachers / supervisors, the duration of the camp and whether or not the camp provides accommodation.
Pupil Personal Accident
- Why should our School take out Pupil Personal Accident Insurance if the School has Public Liability Insurance?
Pupil Personal Accident Insurance provides cover in respect of the Medical and Dental expenses resulting from an accident regardless of blame. Your Schools Public Liability insurance protects the Legal Liabilities of the School and its Board of Management following an accident or injury. For a claimant / injured party to be successful they will have to take legal action against the School and prove the School were negligent in their duty of care.
- What is the difference between Option A & Option B?
Option A covers all Pupils on the School roll and the cover selected (Schools activities only or 24hr) must be consistent for all. Option B is chosen when all pupils are not taking out the cover and or the School wish for some pupils to take out 24hr cover and some School activities only.
- Are out of pocket expenses covered?
All medical & dental expenses up to €50,000 for each are covered, including G.P visits, prescriptions, hospital costs etc. However, out of pocket expenses such as parents travel and food expenses are not covered.
- Is there an excess on claims?
No claims excess meaning the parents/Guardians can claim all Medical and / or Dental expenses following an accident up to a limit of €50,000 for each.
- Are physiotherapy expenses covered?
Yes, once the pupil has been referred to the physio by a qualified medical practitioner (who is not a member of School staff) and the injury is as a result of an accident caused by violent visible external means.
- Are there any benefits for the School?
Having a Pupil Personal Accident Policy reduces the possibility of legal action being taken against your school by providing parents / guardians with a facility to claim their out of pocket medical and dental expenses. Allianz higher core benefit limits, no time limit guarantee and no excess, provide the best chance for parents / guardians to recover all of their Medical and / or Dental expenses.
- What does ‘not recoverable from another source’ mean?
If a parent / guardian has a medical card or Private Health Insurance Policy, they must claim through that source first. If they are not entitled to claim under that source or all of their medical / dental costs are not covered, they can claim the balance under the Allianz Pupil Personal Accident Insurance.
- What is the best way for a School to take out Pupil Personal Accident Insurance?
Online at www.allianz.ie/Schools. It is very easy to apply online and Schools can avail of a 30% premium reduction*. The process is very quick and easy and we do not require any names, only the number of pupils and the cover required.
*Schools may retain 30% premium reduction at parents discretion.
- Are work experience programmes covered under the Custodian School Protection Policy?
Yes. The Custodian School Protection Policy indemnifies the School in respect of their legal liability in connection with any work experience schemes organised by the School or in which they participate. An indemnity will be provided to the employer with whom the pupil is placed, in respect of the legal liability of the school and pupil concerned. It is important to note that work experience involves work shadowing and the insurance cover in place reflects this.
- Is summer work covered under the Custodian School Protection Policy?
If a pupil organises work experience outside of the Schools programme, this is not covered as it would be deemed a summer job and not organised or related to the School.
- What about students coming into the School on work experience?
Yes, they are covered under the Custodian School Protection Policy, as they are deemed to be employees of the School for the time and duration of their work experience program.
- Who should I contact in the event of a claim or for guidance on a claim or potential claim?
- Property Claims 01-6133377
- Liability Claims 01-6133992
- Pupil Personal Accident Claims 01-6133559
- At what time/point should first contact be made?
Earliest time possible and/or first notification you receive.
- What level of incident prompts a notification?
Any event or damage you feel may lead to a claim.
- What is an excess?
An excess is the amount of a claim the Insured bears themselves in the event of a loss or damage etc.
- What is my excess?
The standard excess that applies under the Custodian School Protection Policy is €300 each and every claim.
However, different excesses apply to the following sections:
- Property – Fire, lightening & explosion nil excess
- Consequential Loss, Nil excess
- Money Section - €100 excess each and every claim
- Staff Personal Accident Section - €125 for medical, dental and optical expenses
Public Liability & Employers Liability, nil excess
- Why are Sums Insured important?
The adequacy of the sum insured is vitally important in ensuring that you are properly protected in the event of a serious loss. The sum insured represents the maximum amount that can be recovered under the Custodian School Protection Policy.
In the event of a loss, any shortfall in the Sum Insured will be the responsibility of the Schools Board of Management.
- Who is responsible for deciding the sum insured?
The Insured (Board of Management) is responsible for setting the sum insured. The Board of Management are advised to obtain a reinstatement valuation from a chartered surveyor, architect or similarly qualified person in order to set an adequate Sum Insured.
- If our School is engaging a building contractor, what do I need to do to satisfy my Insurance requirements?
You should notify Allianz that the building work is taking place and check to ensure the building contractor has adequate insurance in place.
- How do I ensure the building contractor has adequate insurance in place?
- You can ask the architect in charge of the project to check the buildings contractors insurance is adequate and confirm same to you in writing.
- You can forward a copy of the building contractors insurance to Allianz or your insurance intermediary.
- Do I require a professional valuation following an extension of New building?
If you are engaged in a new building project, it is essential that you request a professional valuation of the completed building. We recommend that this is agreed and included at the beginning of the contract so any cost can be absorbed in the contract price.
If the School are building an extension, they should also request a professional valuation of the newly revised School. If this is not practical for smaller extensions, please contact the Allianz School Support Team or your local Allianz Representative directly who can visit your School and provide guidance in relation to Sums Insured.
- Should I advise Allianz if the School is undergoing building works?
Yes, it is advisable to notify Allianz of any buildings works (including summer works) so we can note your Custodian School Protection policy and provide any assistance that may be required.
Ride On Lawnmowers
- Are Ride on lawnmowers automatically covered under the Custodian School Protection Policy?
The Custodian School Protection Policy specifically excludes liability which is compulsorily insurable in accordance with Road Traffic Act(s). Ride-on mowers which are used in areas to which the public has access are classified as mechanically propelled vehicles under the Road Traffic Act (RTA) and consequently the owner is legally required to effect motor insurance for the ride-on mower.
Until recently ride on lawnmowers were exempt from motor insurance cover if they were used exclusively on private grounds without access by motor vehicles. However a recent European Directive (arising from a European Court of Justice ruling in the case Vnuk v Zavarovalnica Triglav) has changed the legal requirements of motor insurance. The area of use of the vehicle is now inconsequential, so any ride on lawnmower in operation requires motor insurance.
- Where can I obtain Insurance for our schools Ride-on-Mower?
You can contact Allianz at 01-6133387 and we will be happy to provide you with a quotation and arrange this cover for you. We provide special rates on ride-on-mowers for schools.
- Why do I need engineering Insurance?
It is a legal requirement that all lifting plant (below) is inspected at regular intervals to meet your statutory requirements under Safety Health & Welfare at Work Act 2007.
If your School has any of the following items, Engineering
Insurance will be required:
- Passenger/Goods Lifts
- Service Lifts
- Patient Hoists
- Eye Bolts/Suspension Points
- Mobile Elevating Work Platforms
- Wheelchair Lifts
- Tail Lifts
- Runway Tracks (lift shafts etc.)
- What is included under Allianz engineering insurance Policy?
In addition to the two inspections carried out annually, the plant is insured for Sudden Unforeseen Damage, Accidental Damage, Breakdown, & Explosion / Collapse.
- How do we make a payment to Allianz?
Payment can be made by Credit /Debit Card, Cheque / Bank Draft / Postal Order or EFT (Electronic Fund Transfer)
Allianz Bank Details for Electronic Fund Transfer
Name of Bank
Bank of Ireland, Ranelagh, Dublin 6
IE33 BOFI 9001 7243 9705 33
When paying by Electronic Fund Transfer, it is very important to reference your Allianz Insurance Policy Number in the transaction.
School Service Contacts
- Who do I contact if I have a query or need to make an alteration on my Custodian School Protection Policy?
Please contact Allianz School Support Team at 01-6133966 who can:
- Provide assistance and guidance on a range of insurance related matters
- Make any alterations to your policy
- Issue indemnity or work experience letters
- Is there anyone in my local area who can visit my School and provide assistance and support?
Allianz have a local representative in each area of Ireland who specialise in Schools insurance. They can visit your School and provide guidance on a range of insurance related matters including Safety Statements, Health & Safety Concerns, Sums Insured and Policy Cover. Your Local representative’s details can be found here.