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School Insurance
Protecting Learning Institutions and the People They Serve
One programme covering a school's buildings, contents, buses, employees, and pupils against covered risks.
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Cover options
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Underwriters
24/7
Claims support
Quick overview
A package that lets a learning institution arrange protection for its buildings, contents, buses, staff, and pupils under one insurance programme, so an unexpected loss doesn't disrupt learning.
Why it matters
Why School Insurance Matters
An unexpected loss can disrupt learning and place significant financial pressure on an institution. Appropriate insurance helps schools prepare for covered risks and recover more effectively when unexpected events occur.
A school is several risks at once
On any school day there are buildings full of equipment, a bus on the road, staff at work, and hundreds of children in the institution's care. A school programme brings these under one arrangement.
What can be covered
Depending on the policy: school buildings, contents and equipment, school buses and vehicles, employees, and other eligible school-related risks.
Who it's for
Who this cover is for
- Private and international schools
- Public and boarding schools
- Colleges and training institutions
- Kindergartens and daycare centres
- School boards and sponsors
Cover options
Your cover options
Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.
01
Buildings & Contents
Covers classrooms, halls, laboratories, dormitories, and their contents against fire, burglary, storm, and accidental damage.
02
School Bus & Vehicles
Third-party or comprehensive motor cover for school buses and other institutional vehicles, including passenger legal liability.
03
Staff & Pupils
WIBA cover for teaching and support staff, plus group personal accident cover for pupils on and off the school premises.
Protection
What this cover protects against
What applies to your policy depends on the cover level you choose and any extensions added.
school
Buildings
Classrooms, halls, laboratories, and dormitories against fire and insured perils.
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Contents & equipment
Furniture, lab and IT equipment, and other school property.
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School buses
Third-party or comprehensive cover, including passenger legal liability for pupils.
groups
Employees (WIBA)
Work injury cover for teaching and support staff.
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Pupils
Group personal accident cover, on or off the premises.
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Fire & burglary
Damage from fire and forced-entry theft.
Key benefits
What you get with the cover
Whole institution, one policy
Property, vehicles, staff, and pupils covered together and renewed once a year.
Pupils covered around the clock
Group personal accident cover can apply 24 hours, including trips, sports, and travel to and from school.
Meets statutory duties
WIBA cover satisfies the school's legal obligation to its employees.
Scales with the school
Suitable for a single kindergarten or a multi-campus academy.
Exclusions
What's not covered
Wear and tear and gradual deterioration
Existing structural defects
Vehicles used outside their declared purpose
War, riot, and nuclear risks unless extended
This is a general list. Your policy wording sets out the full exclusions that apply.
Getting covered
What you'll need
To take out cover
- School registration documents
- Details of the school and location
- Number of students and employees where relevant
- Details of buildings, buses, equipment, and contents
- Estimated values of assets to be insured
Report any incident — property damage, an accident involving a school vehicle, or an injury to a pupil or staff member — to Cush immediately so assessment can begin without delay.
Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.
Glossary
Common terms explained
Group Personal Accident
One policy covering a defined group — here, enrolled pupils — for accidental injury, disability, and death benefits.
Passenger Legal Liability
Cover for the school's liability to passengers, including pupils, injured while travelling in a school vehicle.
FAQ
Frequently asked questions.
The essentials on school insurance — what it covers, what you'll need, and how claims work. More on the FAQ page.
See all FAQsDoes this cover the school bus?
Yes. School buses and other institutional vehicles are covered under the motor section, including passenger legal liability for pupils.
Are pupils covered for accidents outside school?
Group personal accident cover can be arranged on a 24-hour basis, covering pupils during school, sports, trips, and travel to and from home.
Is staff injury cover included?
Yes — WIBA cover for teaching and support staff is part of the package and meets the school's legal obligation.
Flexible cover
Scales with the school
Suitable for a single kindergarten or a multi-campus academy, built around the buildings, the bus routes, the staff register, and the pupil roll. Cush Insurance Agency can help your institution identify suitable insurance solutions for its needs.
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