School Insurance


Whether private or public, safeguarding school property is essential for continuity in providing education services. Insurance should be considered as a vital tool in the control of risks prone to school. The policy covers educational premises such as Classes, Laboratories, Dormitories; Administration buildings, the content including beds, beddings, furniture’s, electronics computers, workers and teachers etc. This policy protects against;

1. Fire and Perils.

Under fire and perils the policy covers;

  • Fire
  • Lightning
  • Special perils
  • Flood and storm
  • Damages due to Riot, Strikes, Civil Commotion and Malicious Damage
  • Explosion as a result of domestic gas cylinders and appliances
  • 2. Burglary

    Burglary insurance whereby property and school items like office and class furniture are insured against loss or damage arising from forcible and violent entry and/or exit to the schools.

    3. All Risks

    This covers offers financial compensation in case the electronics equipment’s accidentally falls and break, stolen or is gutted down by fire.

    4. Group Personal Accident

    The policy provides teaching and non-teaching staff with WIBA insurance. This insurance covers against accidental injury leading to medical expenses, physical injury, death or disablement which is provided on a 24-hour basis..

    5. Public Liability

    This policy is designed to cover legal liability claims arising from third parties in connection with the school’s premises. Such claims may be in respect of accidental death, bodily injury or accidental damage to property.

    6. WIBA (Work Injury Benefit Act )

    Work injury benefits act insurance is a compulsory cover by legislation for all employees engaged by the school for a gain. It covers death, body injuries, or diseases sustained in the course of employment.

    School Vehicles Insurance

    This customized policy covers school buses and provides financial protection against physical damage. Whenever school buses are involved in road accidents the owners are assured of getting financial help in order to secure other means of transport while their buses get repaired.

    Third parties are also covered against;

  • Accidental damage or overturning
  • Damage by fire
  • Malicious Damage
  • Theft
  • Riot, strike, civil commotion
  • Passenger Legal Liability (PLL)

  • Student personal accident cover

    The students are the greatest assets a school can ever have therefore their safety and protection is of the greatest importance. Personal accident cover for students covers the student while in school and outside school.

    • Accidental medical expenses-medical bills incurred as a result of accidents
    • Accidental disability benefit
    • Artificial appliances -Accident may lead to requirement of supportive gargets like crutches, wheel chair etc
    • Dental treatment
    • Funeral expenses benefit

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