Primary school insurance
Find out how we can help protect what’s important to your school, and how our primary school insurance compares to the government’s Risk Protection Arrangement (RPA).
What does Zurich Municipal primary school insurance cover?
Primary schools are vibrant and lively places where children go to learn, play and grow. But between lessons, playtime and after-school activities, there’s a lot to look after.
Our primary school insurance includes a wide range of covers to help protect what’s important to your school, such as material damage (which includes buildings and contents), business interruption, public liability, and employers’ liability. You can also add optional covers such as motor and engineering insurance.
What kinds of risks might we need primary school insurance for?
When arranging insurance, it’s important to consider all the potential risks and hazards your school(s) might face. These could include:
- Liability for accidental injury or property damage - whether as a result of incidents on school premises, or during a journey or trip organised by the school
- Fire, flood, escape of water, or other large loss events
- Risks related to school building, repair or renovation works
- Loss of data (i.e. the cost of reinstating data from back-up servers)
- Legal costs associated with claims made by employees, parents, suppliers, volunteers or members of the public
Why choose Zurich Municipal for primary school insurance?
We have over 30 years’ experience protecting the public sector. We insure thousands of schools including local authority maintained primary schools, as well as academies and schools that are part of multi-academy trusts (MATs).
If you need to make a claim, you’ll benefit from our highly professional and responsive claims service, making the process as quick and smooth as possible. And in the event of a major incident such as a fire or flood, our large loss claims team specialists are here to get your school up and running, quickly and efficiently.
How does Zurich Municipal primary school insurance compare to the Risk Protection Arrangement (RPA)?
There are a few factors to bear in mind when weighing up school insurance options and deciding which represents best value for money.
- The ‘headline price’ – the per-pupil cost your school would be charged under the government’s RPA scheme – is not necessarily the full price you pay. Your local authority would also reflect the cost of their services to you, including an element of self-insurance (i.e. providing cover themselves, within the limits of their excess).
- The headline price may not include any additional covers that may not be available through the RPA, for example motor or engineering.
- The RPA doesn’t include any of the value-added services you would have as a Zurich Municipal Schools Insurance customer, for example, access to the Safer Schools digital safeguarding ecosystem.
Read our guide to find out more about the differences between the RPA and Zurich Municipal’s Schools Insurance.
Primary school insurance – frequently asked questions
What insurance do primary schools need?
Every school is unique, but some of the most important types of cover for primary schools typically include:
- Material damage – for loss or damage to buildings and contents which are owned by (or the responsibility of) your school
- Public liability – for costs relating to accidental third-party injury claims made against your school
- Employers’ liability – for costs you may be legally liable to pay following the death, illness or injury of an employee in the course of their employment
- Legal expenses cover – which helps to pay for employment contract disputes
There are several other types of cover that you might also need to consider, including business interruption (which could cover lost revenue or increased costs of working following a material damage claim), personal accident cover, building works in progress cover, motor cover, legal expenses cover and more.
Does primary school insurance cover pupil insurance?
Yes, primary school insurance policies can provide cover for your students. Public liability and personal accident cover are included in your insurance policy to help financially protect the school if pupils are injured on-site or while taking part in school activities.
How much does primary school insurance cost?
The cost of your primary school insurance policy will depend on factors including the types of cover you need, and the level of protection you require. Get an insurance quote for your primary school today. We calculate prices per pupil, similar to the RPA.
How do I get a quote?
It's quick and simple to set up an account and get a quote online. Simply find your school and set a password to get started.
