Educational Institution Insurance

 

The Education industry has unique and changing risks that require specialists to determine the best risk minimisation strategy. 

 

In each key industry sector, EBM employs teams of experienced staff whose job it is to thoroughly understand the risks inherent in that industry. For Education insurance this covers, for example:

  • Higher Education
  • Independent Schools including Primary and Secondary
  • Vocational Training
  • School Boards
  • Universities

Insurance For Schools

  • Business Interruption covers your school for a gross profit loss resulting from a disruption to your business by an insured incident such as storm damage, theft or fire.
  • Management Liability covers the cost of defending directors, managers and employers against any claims that are the result of their actions or decisions.
  • Professional Liability covers damages & pure economic loss arising from the professional activities of a school.  Usually penalties for faulty advice, failure to act, faulty design and the like.
  • Cyber Liability protects your school against the expenses and legal costs associated with data breaches, which may occur after being hacked or from theft of student and parent information.
  • Public & Products Liability covers bodily injury and property damage arising from school activities and from products manufactured, imported or sold. For example community events, lack of maintenance of premises, the selling or donation of products, provision of group activities, food handling or lack of attention to the people in the Insured’s care
  • Voluntary Workers Personal Accident
    • Covers weekly wages, specified out of pocket expenses and a capital benefit in the event of a permanent disability for your volunteers, who may be injured in the course of the year while providing assistance to the school on a voluntary basis.
  • Machinery & Electronic Breakdown
    • Cover protects against cost of sudden and unforeseen mechanical and electrical breakdown of equipment such as air conditioners, refrigeration units as well as general office equipment such as phone system and computers. It also covers the deterioration of frozen goods following a breakdown. 
  • Property (including Theft, Money & Glass) covers your school in case of theft, attempted theft, armed hold up or the accidental or intentional breakage of glass.

 

Insurance for Universities

  • Management Liability covers the cost of defending directors, managers and employers against any claims that are the result of their actions or decisions.
  • Public & Products Liability covers bodily injury and property damage arising from school activities and from products manufactured, imported or sold. For example community events, lack of maintenance of premises, the selling or donation of products, provision of group activities, food handling or lack of attention to the people in the Insured’s care
  • Professional Liability covers damages & pure economic loss arising from the professional activities of a university.  Usually penalties for faulty advice, failure to act, faulty design and the like.
  • Business Interruption covers your university for a gross profit loss resulting from a disruption to your business by an insured incident such as storm damage, theft or fire.
  • Cyber Liability protects your school against the expenses and legal costs associated with data breaches, which may occur after being hacked or from theft of student and parent information.
  • Voluntary Workers Personal Accident
    • Covers weekly wages, specified out of pocket expenses and a capital benefit in the event of a permanent disability for your volunteers, who may be injured in the course of the year while providing assistance to the university on a voluntary basis.
  • Machinery & Electronic Breakdown
    • Cover protects against cost of sudden and unforeseen mechanical and electrical breakdown of equipment such as air conditioners, refrigeration units as well as general office equipment such as phone system and computers. It also covers the deterioration of frozen goods following a breakdown. 
  • Property (including Theft, Money & Glass) covers your university in case of theft, attempted theft, armed hold up or the accidental or intentional breakage of glass.

Student Insurance

EBM also offers StudentCover (Student Accident Insurance) the affordable way to protect your child 24/7* at school and elsewhere.  StudentCover is available for individual students and entire schools. Cover can be provided to individual students at a total cost of just $29 per year. To be eligible, the child must be a current student at an Australian school (Kindergarten to Year 12).

 

Alternatively cover can be arranged on a ‘Whole of School‘ basis for as little as $9.00 per student (minimum cost $280).

 

Find out more here. (www.studentcover.com.au).

 

Contact our experienced Education insurance brokers today by filling in the contact form or calling us on 1300 467 873.

Key Contacts

Specialists in this area include:

 

Andy Dyson

WA, NT

Andy Dyson

Executive Account Manager

email Andy

Christopher Traill

QLD

Christopher Traill

Executive Account Manager

email Chris

Richard Jane

NSW, ACT

Richard Jane

Executive Account Manager

email Richard

Ben Woodham

VIC, SA & TAS

Ben Woodham

Executive Account Manager 

email Ben


Quick Contact Form

EBM are able to provide a wide range of services, many of these will require a professional to contact you to discuss precise requirements.

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