Nov 2008 Farmers Insurance District 12 Meeting 2009-Year of Opportunity.
1 Insurance & Special Schools N.A.B.S.M.E. 23 rd Nov 2007.
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Transcript of 1 Insurance & Special Schools N.A.B.S.M.E. 23 rd Nov 2007.
1Insurance & Special Schools
Insurance & Special Schools
N.A.B.S.M.E. 23rd Nov 2007
2Insurance & Special Schools
Custodian School Protection Policy
3Insurance & Special Schools
overview•Damage to Property
•Consequential Loss
•General Liability
•Indemnity to School Management
•Legal Expenses
•Personal Accident
4Insurance & Special Schools
General LiabilityEmployers’ Liability:
Legal liability for injury to employees
Public Liability:
Legal liability for accidental injury to third parties –
- Pupils
- Visitors
- Recreational users
- Trespassers
5Insurance & Special Schools
School Related Activity
Any activity usual to a school which is carried out with the full knowledge of and under the control of the Board of Management of the school or of any other person specifically authorised by them
Includes
•Bus escorts
•Administration of medicines
•Fund raising (small events)
•School trips
6Insurance & Special Schools
General Liability Indemnity to
•Patron
•Trustees
•Board of Management (Corporate Body)
•Each individual member of the Board of Management
•Principal and Teachers
•At the request of Board any other person acting on their behalf
7Insurance & Special Schools
INDEMNITY TO MANAGEMENT
Professional Indemnity
Trustees Directors’ and Officers’ Liability
Employment Practices Liability
Fidelity Guarantee
8Insurance & Special Schools
Professional Indemnity
•Breach of duty arising from negligent act
•Breach of trust
•Libel or slander
•Infringement of copyright
9Insurance & Special Schools
Professional Indemnity - examples
•Disciplinary actions – suspension / expulsion pupils
•Equality Legislation – enrolment / discrimination
•Appropriate education
•Assault
•Libel /slander
10Insurance & Special Schools
Professional Indemnity to
•Patron
•Trustees
•Board of Management (Corporate Body)
•Individual members of the Board of Management (Past & Present)
•At the request of Board, teachers or others acting for the school
11Insurance & Special Schools
Trustees, Directors’ & Officers’ Liability
Breach of Duty etc
Whilst acting in the capacity of a trustee, director or officer of the school
12Insurance & Special Schools
Employment Practices
•Unfair dismissal
•Discrimination (employee or applicant) on grounds of
gender, marital status, family status, sexual orientation,
religion, age, physical or mental disability, race, colour,
nationality or membership of travelling community
•Refusal to employ a qualified applicant
•Failure to afford the same working conditions
•Harassment or bullying
13Insurance & Special Schools
Employment Practices Indemnity to
•Patron
•Trustees
•Board of Management (Corporate Body)
•Individual members of the Board of Management (Past & Present)
14Insurance & Special Schools
Fidelity Guarantee
Dishonesty in embezzling money or property belonging to school.
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Legal Expenses
Pursuit of legal proceedings involving dispute with employee or pupil
Pursuit or defence of legal proceedings arising from contract
16Insurance & Special Schools
Personal Accident
Accidental bodily injury to board members or school staff involved in school activity
Capital Benefits for serious injuries
+
Medical / Dental / Optical Expenses … €10,000
Temporary disability per week …€500.
17Insurance & Special Schools
www.allianz.ie/schools