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Insurance Services

The Insurance section of Hertfordshire County Council provides insurance policies to schools; we delegate to schools the responsibility for property, liability and other standard policies. We also provide optional extensions that schools are responsible for.

Policies We Provide

 

Policy Details, Recharge Rates and Excesses

What do the policies cover and what do you need to do if you have a claim?

Public Liability

Insurer Name: QBE Insurance Ltd
Policy Number: Y083461QBE0116A
Limit of Indemnity: £50,000,000
Recharge Rate: £3.63 per pupil. This rate also includes medical malpractice.

This covers any injury to a third party (e.g. pupils, visitors to the school), or damage to property belonging to a third party.
If you receive a Public Liability claim please send to the Insurance Team as soon as you receive it, by email  to insurance@hertfordshire.gov.uk

Medical Malpractice

 

Insurer Name: Novae
Policy Number: 809780MMA140
Limit of Indemnity: 10,000,000.00

 

This covers the school for any medical treatments/administering medication (subject to training) that you may need to provide to pupils.
Please notify us as you may need to complete an insurer’s form.
In the past we recharged you separately for Medical Malpractice insurance this is now charged within liability.

Employers Liability

 

Insurer Name: QBE Insurance Ltd
Policy Number: Y083461QBE0116A
Limit of Indemnity: £50,000,000

This policy protects the school against any injury that a member of staff may suffer during their employment.
If you receive an Employers Liability claim, please send to the Insurance Team as soon as you receive it, by email  to insurance@hertfordshire.gov.uk

Property

 

Insurer Name: Protector
Policy Number: 622842-2.1
Excess: For each and every claim the school pays £500.
Recharge Rate: £0.79 per square metre of area and £10.62 per pupil.

This policy covers property for Fire, Lightning, Explosion, Riot & Civil Commotion , damage by Aircraft, malicious damage, Earthquake, Storm, Escape of water (including sprinkler leakage) impact damage, theft (involving forcible and violent entry or exit) falling trees and accidental damage.
If you wish to make a claim please telephone the Insurance Section immediately on 01992 555480 who will take the claim notification over the telephone.
We have the right to reject a claim should we not be notified within 30 days.  If you are making a claim for malicious damage or theft you must inform the police and obtain a crime reference number.

Motor  

Optional Extension (scheme)

Insurer Name: Zurich
Policy Number: QLA-19AA02-0023-59
Recharge Rate: £712 per vehicle. This rate is applicable to vehicles regardless of type and will therefore be relevant to any mini buses you have.

This policy covers school owned vehicles for accidental damage, fire, theft, windscreens and third party.
If you wish to make a claim please telephone the Insurance Section immediately on 01992 555480 who will take the claim notification over the telephone.
We have the right to reject a claim should we not be notified within 3 days. 

Computers

Optional Extension (scheme)

Insurer Name: Hertfordshire County Council
Excess: For each and every claim the school pays £500.
Recharge Rate:
Portable items- 0.5% of total value
Static items- 0.25% of total value

Computer insurance covers computer equipment against Fire, Lightning, Explosion, Riot & Civil Commotion , damage by Aircraft, malicious damage, Earthquake, Storm, Escape of water (including sprinkler leakage) impact damage, theft (involving forcible and violent entry or exit) falling trees and accidental damage.
If you wish to make a claim please telephone the Insurance Section immediately on 01992 555480 who will take the claim notification over the telephone. We have the right to reject a claim should we not be notified within 3 days.  If you are making a claim for malicious damage or theft you must inform the police and obtain a crime reference number.
For more details about computer insurance please see below in Optional Extensions (Schemes).

Engineering

Optional Extension (scheme)

Provider Name: HSB Engineering
Recharge Rate: The cost will vary and will depend on item specifications. The cost will only be known after the first inspection has been completed.

 

Engineering is a statutory requirement which you can opt into and have organised through ourselves.
If you organise engineering yourselves you need to ensure that inspections and services on the equipment are completed every 6 or 12 months depending on the specification of the equipment.
For more details about engineering please see below in Optional Extensions (Schemes).

Optional Extensions (Schemes)

If you do not buy in to one of the schemes mentioned below. It is the schools responsibility for making all insurance arrangements to levels approved by the LA (to protect our position).
The below Schemes are optional and if you would like to be part of any of the schemes please contact insurance@hertfordshire.gov.uk
The current schemes run between 1st September 2018 to 31st August 2019.

Third Party Hirers

Third party hirer’s liability insurance is an extension of public liability insurance.
If your school is registered under the Third Party Hirers Scheme, when required we will ask you for your total lettings income for the scheme year. We will then recharge you 10% of your total lettings income.
In the case of a free let, normal letting fee should be considered. If the lettings income is low then the minimum of £1 per session should be charged.
Lettings from hirers who have got their own insurance (minimum of £5m public liability) should be ignored.

If the hirer or users of HCC premises have their own public liability insurance you need to ensure that they have the standard minimum level of cover of £5 million. This will cover them in the event of them being held liable for damage to HCC property injury or loss to individual(s) due to their negligence. 
The school should obtain a copy of the prospective Hirer’s Certificate of Insurance. If the prospective Hirer does not have such insurance or their insurance is inadequate, then they may be covered under the County’s Third Party Hirers (TPH) Insurance Scheme.  

The following activities or hires will not be covered under this scheme:

  • Meetings organised by political parties
  • Professional entertainment
  • Commercial or business functions
  • Martial arts/Football/Pilates
  • Sporting injuries caused by one participant on another
  • Fireworks

These are excluded for a purpose, and you may wish to insist upon these restrictions, even where the hirer does have their own cover.

The policy is subject to a £250 excess that the hirer will have to pay in the event of a claim.

Annual Travel Scheme

There are two categories of cover which the school can choose from:
 

  • Category A Off-Site insurance only- This insurance cover is available to pupils and teaching staff when they are on authorised and organised trips outside the designated school boundaries.

This insurance provides cover for accidental bodily injury resulting in death, loss of limbs and eyes, hearing and speech, a permanent partial disability, temporary disability (adults only), emergency medical, dental treatment or hospitalisation; legal expenses; personal liability; cancellation, curtailment or rearrangement of your trip; damage to personal possessions and loss of your money during the trip.
 

  • Category B Off-site and On-Site insurance- In addition to off-site insurance cover as explained above, on-site insurance extension is also available.

This covers pupils and teaching staff when they are within the school boundaries and whilst travelling directly to and from home. This insurance provides cover for bodily injury resulting in death, loss of limbs and eyes, hearing and speech, a permanent partial disability, hospitalisation, and dental treatment.

If you are registered for the scheme, we currently email you every year asking for your pupil and staff numbers and what category of insurance you require. We will recharge you based on the rates below:

 

Per Pupil

Per Teacher

Category A Off Site Cover

£0.39

Nil

Category B Off Site and On Site Cover

£1.00

£1.24

 

Computers

Computer insurance covers computer equipment against physical loss or damage.
It does not include:

  • Damage caused by viral or other cyber-attacks.
  • Losses from vehicles or public transport
  • Theft (unless this involves a forced entry or exit form a school building)
  • Unexplained disappearance
  • Increased cost of working or reinstatement of data cover

An excess of £500 applies to each and every claim.
 
If you would like to be part of the scheme, you will need to provide the total value of portable items (laptops, tablets, and iPads) and static items (PCs, desktops, servers and fixed interactive boards) to the Insurance Section to be covered for computer insurance. 

We will then recharge you based on the values below: 

  • Portable items- 0.5% of total value
  • Static items- 0.25% of total value

Engineering

In September 2017 the engineering company changed to a company called HSB.
If you have opted to have engineering insurance, HSB will contact the school to arrange a suitable date to carry out the inspection. The cost will vary and will depend on item specifications. The cost will only be known after the first inspection has been completed. 
HSB will only inspect items that require a statutory inspection; these items are non-domestic boilers, pressure vessels, lifts, lifting equipment and machinery. 

After the inspection has taken place you will be sent copies of the inspection reports, you will receive these from us in the Insurance Team. These reports will identify any imminent or time qualified defects and observations of repairs that might need to be carried out. It is the responsibility of the school to read and take any actions that have been advised in the report.

FAQ’s

Key Holders
Please see the below guidelines for key holders:

  • Key holders should be school personnel only
  • Keys holders should be kept to a minimum (no more than 5)
  • Ensure keys are returned when a staff member leaves
  • Keys should not be given to third parties
  • Hirers of the school need to be let in by a school staff member (site manager)
  • The school then needs to be locked up by a staff member at the end of the hiring
  • A staff member does not need to be on site for the duration of the hiring
  • Rooms with valuable items in, such as IT Suites need to be locked
  • Where possible restricted access should be given
  • If possible where the hirer is unknown or it’s a class where the numbers vary a head count should be undertaken in and out

Bouncy Castles
Our insurance does not cover the use of a bouncy castle; this would be down to the owner or supplier of the bouncy castle.
If you hire a bouncy castle from a third party, the third party should arrange their own public liability insurance. Policy limit should be at least £5 million in any one occurrence.

Please be advised to ensure the following:

  • Risk assessments are in place.
  • The bouncy castle should be maintained and suitable checks should be carried out before it can be used for the event.
  • Continuous supervision should be available during the activity by trained staff.

PTAs
There might be activities that will not be covered under HCCs policies. You may need to ask the PTA to insure.

Conversion to Academy
When you change to academy status we will still require your Third Party Hirers and Annual Travel Declarations as these declarations are for the previous year. If your school takes Academy Status, your insurance cover is no longer valid with Hertfordshire County Council.

Voluntary Aided Schools
The diocesan is the property owner of Voluntary aided schools; however you are able to buy into our Liability, Motor and Schemes insurance.  

School Dogs
The insurance policy in place does not provide cover for dogs in schools; however it does cover Therapy dogs.
If the dog is being trained as a therapy dog and will be used as a therapy dog within the school, then cover would be in place once the dog was trained (all relevant training documentation would need to be held by the school).  

The Liability Insurer is quite clear on dogs in schools; we have had quite a few schools asking in recent months.  They will not consider adding cover for a dog as a dog is considered a risk for several reasons and is not deemed educational.

The school could obtain their own insurance; you need to be mindful that this does not affect the insurance you have with us. The general stance is that we do not accept dogs in schools that are non-therapy dogs.

Fireworks
Fireworks activities are not covered under the HCC’s third party insurance policy.
You could arrange a separate insurance cover or get your PTA to insure. The PTA should have their own insurance in place to cover these types of events.

Seasonal Fairs
If you are holding a fair- summer, Christmas etc. We advise that these are run and insured by the PTA.

Claims from Pupils
Please be aware that the courts allow minors until their 21st birthday to pursue liability claims or even 3 years from the diagnosis of an illness, injury or learning disability. This means that notification of claims can be received many years after the completion of the pupils schooling. Record keeping and retention of documents is important. Following DPA guidelines will help if you were to receive a claim.

Forest Schools
The leader of the forest school should have undertaken the forest school course. Risk assessments provided by the forest school should be prepared by the fully trained leader.
More information about Forest Schools can be found at:

For more information please contact us by email: insurance@hertfordshire.gov.uk or by phone: 01992 555480