BCC Insurance FAQ
In light of the recent floods, concerns have been raised by schools in relation to the lack of clarity around BCC schools insurance arrangements and actions that need to be undertaken in the likelihood of a flood.
Education Infrastructure in conjunction with the Council Insurance Department has developed some Frequently Asked Questions (FAQ) which we hope you will find helpful.
Q1. What is BCC Schools Insurance?
The Local Authority (LA) maintains a number of school insurances centrally. This is mainly to take advantage of bulk purchase arrangements together with the need to arrange appropriately high levels of cover to provide sufficient protection against large personal injury claims. The insurance premium for such claims, for an individual school, would be prohibitively expensive.
Click for link to the Full Insurance Guide document:
Q2. Is my school covered under the BCC Schools Insurance policy?
All LA Community and Voluntary Controlled schools are covered under the BCC Schools Insurance Policy.
Academies, Free schools, Foundation and Trust schools, Voluntary Aided Schools and Independent Schools are not covered by the BCC Schools Insurance policy and therefore need to have their own insurance policy.
Q3. What is included in the BCC Schools Insurance policy?
The standard package of insurance covered by BCC is as follows:
Property Damage Cover for buildings and contents caused by fire, lightning, explosion and terrorism only.
Public Liability Cover for legal liability to third parties – limit £40M per event
Employers Liability Cover for legal liability to staff and individuals on a work experience programme – limit £25M per event
Cash Theft of school money – automatic safe limit of £1,000 which can be varied depending on the safe the school has.
Motor Comprehensive insurance for all school owned vehicles including minibuses
Engineering Statutory Inspection of all plant and equipment which legally requires inspection.
Officials Indemnity Cover for allegations of failure to educate – limit £5M
Personal Accident Capital sum of up to 5 times earnings for staff
Q4. What is not included in the BCC Schools Insurance Policy?
The following items are outside of the BCC Schools Insurance cover:
Property Damage Additional perils for buildings and contents including storm, flood, theft and malicious damage
Personal Accident Cover for pupils on school trips
Foreign travel trips No cover for trips outside the UK
Leased items E.g. photocopiers
Public Liability PTAs and third parties at school events need their own public liability cover
For advice on obtaining additional currently uninsured covers please contact the insurance team on 0121 303 4829
Q5. What do I do about elements not covered by BCC Schools Insurance policy?
You must make arrangements to either top up your existing policy or purchase separate policy for elements not covered by BCC Schools Insurance policy.
For advice on obtaining additional currently uninsured cover please contact the Insurance Team on 0121 303 4829.
Q6. What do I do in an emergency situation? Who do I contact?
On discovering an emergency situation, including fire or flood, follow the relevant procedure ie activate the fire alarm if appropriate, evacuate the building in an orderly fashion or call 999 if appropriate.
For incidents during school hours (from 9 – 5) if the school is in the Acivico Stars scheme please call 0121 303 6425, or contact your schools emergency contractor*.
Contact Education Infrastructure on 0121 303 8847
Contact School and Governors Support on 0121 303 2541
If the incident occurs outside of school hours, if the school is in the Acivico STARS scheme please call 0121 303 4149, or contact your schools emergency contractor.
If the nature of the incident has attracted press interest and you are contacted directly by the Press, please inform BCC Press Office on 0121 303 3287 as soon as possible.
Contact BCC Insurance Department on 0121 303 4829
*please note all schools are expected to have emergency contact with a contractor to cover out of hour emergencies
Q7. What help is available for the elements not covered through BCC Schools Insurance?
We advise you to make arrangements immediately for the elements not covered through BCC Schools Insurance.
In the extreme cases where it leads to school closure the school must have a Business Continuity Plan and the Local Authority will assist the school in finding alternative accommodation / provision for the pupils.
Q8. What is my responsibility as a duty holder?
Ensure that the emergency procedures for your site are up to date and regularly reviewed.
Ensure that staff are aware of who to contact and have access to keys, fobs and access codes for the site.
Ensure that a system of monitoring the building is in place out of hours and during school holidays.
If bad weather e.g. heavy rain does occur, inspect the building as soon as possible for any damage. It is also good practice to ensure regular maintenance of drains, gutters and downpipes which will reduce the impact of heavy rainfall.
If there are any further queries please email these to email@example.com
This document will be updated regularly when additional questions are raised.
This topic will also be covered in Education Infrastructure Duty Holder Training.