Frequently asked questions about school and academy insurance

From local-authority-maintained schools to multi-academy trusts, we provide tailor-made solutions to help you protect what’s important to your school community. If you’ve got a question about how our insurance works, what different covers mean, or how to access any part of our service, you might find the answer below.

What is the Schools Customer Portal?

The Schools Customer Portal is an easy to use online, self-serve hub that houses your policy documents and provides real-time status updates on your insurance, such as renewals and mid-term adjustments.

Visit the Schools Customer Portal to see for yourself.

How will the portal impact / benefit me?

The portal will save you time by allowing you to access your documents whenever you need them. This may mean you don’t need to contact us via phone or email for some queries. The portal will also display real-time status updates on your policies, such as renewals and new quotes.

How can I access the Schools Customer Portal?

You’ll be sent a personalised link at renewal, which will take you directly to the portal without the need to input log-in details. This link will expire after 14 days. Once the link has expired, you will need to input your log-in details.

I've forgotten my password – what do I do?

Click on the 'Forgotten password' link. A secure link will be sent to your registered email address. Please follow the link, where it will ask you to enter a new password.

Why does it say my new password is invalid?

Your password needs to contain an uppercase letter, a lowercase letter, a number, a special character and be at least 8 characters in length.

What is public liability cover?

Public liability insurance provides cover for claims made against you, should you be held liable for accidental personal injury to a third-party (not an employee) or accidental damage to a third-party’s property. This could include, for example, incidents involving parents or other visitors on school premises.

What is employers’ liability cover?

Employers’ liability insurance provides cover for compensation you could be legally liable to pay should an employee make a claim relating to illness, injury or disease that directly results from their work for your school or academy.

What is professional indemnity cover?

Professional indemnity insurance covers scenarios where someone might claim they have suffered a financial loss as a result of negligence by a member of school staff (e.g. poor or mistaken advice). Members of staff who carry out Ofsted inspections are among those required to be covered by professional indemnity insurance.

What is a hot works permit?

School building, renovation or maintenance works will often involve hot works – the use of open flames or the local application of heat and friction. Such works will require a permit tailored to the specific circumstances of the work.

For more information, see our article:

• What is a hot works permit and why do you need one?

What is works in progress cover?

Works in progress cover will typically cover school properties that are undergoing repair, renovation or major rebuilding work. It can cover the building and it can cover the works.

The following questionnaire includes a checklist to use when appointing a contractor for building, repair or maintenance work:

• Works in progress questionnaire

What is engineering cover?

Engineering cover includes engineering insurance and engineering inspections for lifts, boilers and other equipment requiring statutory inspection.

The engineer surveyors operate across the United Kingdom.

Find out more about engineering cover.

What is school trip insurance?

School trip insurance covers staff and pupils outside of the classroom. It includes personal accident cover, emergency medical expenses, cancellation and rearrangement expenses, personal property and money cover, and more.

Find out more about school trip insurance.

Does my school or academy need cyber cover?

Schools hold large volumes of personal and sometimes sensitive data relating to staff, students and parents.

In the event of a cyber incident, schools could face a range of costs and challenges, including lost income, data recovery costs, legal expenses and more.

We can provide cyber cover via our partner Howden. See cyber insurance for schools and trusts.

What is the ‘Safer Schools’ ecosystem?

Safer Schools is a digital safeguarding ecosystem designed to educate, empower and help protect your school from safeguarding risk. It is available at no extra cost to school and local authority customers that have their insurance programme with Zurich Municipal.

Developed in partnership with online safety experts, Ineqe Safeguarding Group, Safer Schools provides a wide range of support and resources for teachers, parents, carers, students and safeguarding professionals.

Find out more about the Safer Schools digital safeguarding ecosystem.

Who are Previsico?

Previsico are surface water flood forecasting specialists who help people and organisations to minimise the impact of flooding.

We have invested in a partnership with Previsico to offer a surface water flood warning service, at no extra cost to our school and academy customers.

Find out more about our partnership with Previsico and the services available to customers.

How do I make changes to my policy?

To make changes to your policy, call us on 0800 917 9445 to speak to our team and request your change.

How do I access my policy documents?

If you have a live policy with us, you can access your documents at any time via our Schools Customer Portal.

How do I make a claim?

You can make a claim by calling us, emailing us or writing to us. Please visit our ‘Make a claim’ page to find the right team to handle your claim as quickly as possible.

Can I have multiple policies for different schools or academies under one email address?

There can only be one organisation per email address. If your email address is associated with a multi-academy trust account, you will be able to act on behalf of all the schools in your trust. If you need multiple users for your multiple academy trust, please contact us on 0800 917 9445.

What payment methods do you accept?

You can pay for your insurance by bank transfer, debit or credit card, or by interest-free direct debit. For any further queries, please speak to one of our team on 0800 917 9445.

How do I cancel my policy?

You can cancel your insurance at any time by telephone, email or in writing, using the contact details shown on your policy documentation.