Guide to Getting School Insurance
Pacific Prime is excited to introduce our latest infographic on the newly released School Insurance Guide. This visual resource offers key insights that are valuable for a wide audience—including school administrators, HR staff, and teachers.
In this article, we’ll walk you through the main highlights of the guide and explain what to expect when exploring the infographic.
Needs and Wants
Pacific Prime’s new School Insurance Infographic breaks down school insurance into two major categories: what a school wants from their insurance coverage and what a school needs from their insurance coverage.
There are several types of school insurance solutions available, such as school liability insurance, property insurance, student accident care insurance, and international school insurance. The key is knowing which are essential coverage and which are beneficial but not strictly necessary.
While the infographic provides a quick overview of each type, here’s a closer look at what’s considered indispensable and what might fall into the “nice-to-have” category:
Essential School Insurance
The following types of insurance are necessary for schools, as some may be legally required, while others will help avoid potentially catastrophic situations.
School buildings are undeniably at risk of being damaged or destroyed, whether by fire, natural disaster, vandalism, theft, or other accidental damage. School property insurance ensures that the costs to repair or replace damaged assets are covered.
Cyber insurance
In the digital age, criminals are constantly working to steal information from organizations, including schools. Cyber insurance can address any costs incurred from cybercrime, such as data breaches and ransomware.
Public liability insurance
If a student, faculty member, or other third party suffers an injury or property damage for which the school is found partially or fully responsible, this type of insurance covers the costs of compensating them.
Directors & Officers’ liability insurance
When a school is found to be at fault, so too can the Directors and Officers that guide the school’s decision-making. This type of insurance provides benefits for any lawsuits that may involve them.
Business interruption insurance
If a school is forced to close temporarily due to covered events such as fire, natural disasters, or other unforeseen incidents, costs can quickly escalate. This insurance helps minimize the financial impact by covering lost income and ongoing expenses during the shutdown period.
Professional indemnity insurance
If a school’s staff is found to be at fault for damage or injury to a third party, whether it be deliberate or negligent, this type of insurance will help them mount a legal defense and address damage costs.
Worker’s compensation and employer’s liability insurance
If a school employee is injured while performing their duties, this insurance covers their medical expenses and provides protection against any related legal costs the school may incur.
Recommended School Insurance
The following types of insurance are beneficial for schools to have but may not be essential for daily operations:
Money insurance
There are several reasons that schools may need to have cash on hand in their facilities. Money insurance provides benefits in instances of theft or loss of such funds, including when they are in transit.
Erection/construction insurance
This type of insurance protects against damage done to school property during the course of construction, as well as covering liability to construction workers or other third parties. For newly opened schools or those without an expansion plan, this insurance will not be too useful.
Machinery breakdown insurance
Modern schools rely on various equipment, from lab instruments and electronic devices to air conditioners. This insurance, as its name suggests, covers the cost of repairing or replacing such equipment in the event of a breakdown.
Kidnap & ransom insurance
While difficult to consider, the risk of student or staff kidnapping exists. This insurance helps cover the costs of ransom payments and related investigations.
Crime insurance
Theft is an unfortunate reality worldwide. Crime insurance helps schools protect their assets against losses resulting from theft, fraud, or dishonest acts.
Group personal accident insurance
This insurance covers costs arising from accidental injuries as well as deliberate assaults, providing valuable protection for groups such as students and staff.
Group travel insurance
Schools that send teachers and students abroad can benefit from the added peace of mind offered by group travel insurance plans, which provide coverage for various travel-related risks.
Check Out the Infographic, Download the Guide
At Pacific Prime, we understand that people prefer information in different formats, which is why we offer our School Insurance content in the forms of the School Insurance Guide and the School Insurance Infographic.
The School Insurance Guide delivers a comprehensive, in-depth overview of key topics, covering the basics of school insurance, the steps to securing coverage through a broker, and how Pacific Prime can help schools maximize the value of their policies.
The School Insurance Infographic, on the other hand, presents the main points in a visual and easy-to-digest format—perfect for those who prefer a quick summary.
Whichever format suits you best, you’ll walk away with valuable insights. In addition, our knowledgeable insurance advisors are happy to answer any questions you may have about the materials, school insurance, as well as other types of insurance.
Contact us today!
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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