1 Insurance & Special Schools N.A.B.S.M.E. 23 rd Nov 2007

2 Insurance & Special Schools Custodian School Protection Policy

3 Insurance & Special Schools overview Damage to Property Consequential Loss General Liability Indemnity to School Management Legal Expenses Personal Accident

4 Insurance & Special Schools General Liability Employers’ Liability: Legal liability for injury to employees Public Liability: Legal liability for accidental injury to third parties – - Pupils - Visitors - Recreational users - Trespassers

5 Insurance & 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

6 Insurance & 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

7 Insurance & Special Schools INDEMNITY TO MANAGEMENT Professional Indemnity Trustees Directors’ and Officers’ Liability Employment Practices Liability Fidelity Guarantee

8 Insurance & Special Schools Professional Indemnity Breach of duty arising from negligent act Breach of trust Libel or slander Infringement of copyright

9 Insurance & Special Schools Professional Indemnity - examples Disciplinary actions – suspension / expulsion pupils Equality Legislation – enrolment / discrimination Appropriate education Assault Libel /slander

10 Insurance & 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

11 Insurance & Special Schools Trustees, Directors’ & Officers’ Liability Breach of Duty etc Whilst acting in the capacity of a trustee, director or officer of the school

12 Insurance & 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

13 Insurance & Special Schools Employment Practices Indemnity to Patron Trustees Board of Management (Corporate Body) Individual members of the Board of Management (Past & Present)

14 Insurance & Special Schools Fidelity Guarantee Dishonesty in embezzling money or property belonging to school.

15 Insurance & Special Schools Legal Expenses Pursuit of legal proceedings involving dispute with employee or pupil Pursuit or defence of legal proceedings arising from contract

16 Insurance & 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.

17 Insurance & Special Schools