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What Is School Care Cover?
School care cover is a specialized insurance solution designed to protect educational institutions from various risks that can result in financial loss or legal liability. It goes beyond ordinary insurance by offering tailored protection that considers the unique needs of schools, from primary institutions to tertiary colleges.
This insurance provides a comprehensive shield against common and uncommon perils, such as fire damage, theft, injury to students or staff, vandalism, and liability claims. It acts as a financial safety net, ensuring your school can recover quickly and efficiently from unforeseen setbacks.
Why It’s Essential for Institutions?
Schools deal with numerous daily challenges—crowded classrooms, costly equipment, student transport, and valuable infrastructure. Without school care cover, a single incident could cripple operations or drain resources. This policy is essential not only for risk mitigation but also for fulfilling legal and safety responsibilities toward staff, students, and guardians.
Benefits of Comprehensive School Insurance
When the administration knows that buildings, vehicles, staff, and students are protected, they can focus more on educational excellence rather than potential disasters.
Repairing damage from fires, storms, or theft is expensive. With school care cover, these costs are absorbed by the insurer, reducing the financial burden on the institution.
Covers like the Work Injury Benefits Act (WIBA) ensure schools remain compliant with national labor laws, especially regarding employee welfare and workplace injury coverage.
KEY BENEFITS
Fire & Perils
This covers school buildings, swimming pools, staff quarters, bed & beddings, stocks and other contents from any loss resulting from fire, lightning, earthquakes, floods, storms damage, riots, strike and civil commotion and malicious damage. Consequential Loss: The fire policy can be extended to cover variable expenses such as rent, salaries and wages in the event of fire.
Burglary or Theft
This covers loss or damage to property such as office and class furniture, beds and bedding, lab equipment, books and stock of food stuff against theft by forcible and violent entry and/or exit to the building. It is a warranty in the policy that a watchman/security guard should be in place.
All Risks
This covers electronic equipment such as computers, laptops, photocopiers, scanners, portable laboratory equipment and other electronic items against fire, theft, falls and accidental damage.
School bus fleet
This policy is intended to cover all institution motor vehicles. The cover provides indemnity against loss or damage to motor vehicle, liability to third parties and passenger liability that may arise out of the use of the vehicle. The policy covers the insured vehicle against perils such as;
Accidental collision or overturning:
- Accidental collision or overturning
- Fire
- Theft
- Malicious damage
- Perils of nature such as flood
- Third party liability
- Riots/strike and civil commotion
Personal Accident
This offers compensation to the students in the event of injuries or disability as a result of violent, accidental, external and visible events while in school or attending school related activities.
Work Injury Benefits Act (WIBA)
This covers the institution against liabilities that may arise from bodily injuries to their employees sustained by
accident or diseases arising out of and in the course of employment as provided under the Work Injury Benefits Act 2007.
The benefits covered are:
- Death – 96 months’ salary.
- Permanent disability up to 96 months (salary subject to the extent of permanent disability as prescribed by a doctor).
- Total disability – 52 Weeks benefit.
- Medical expenses- Kshs. 100,000
- Funeral expenses -Kshs. 30,000 WIBA to be enhanced to cover 24 hours to cover as a WIBA PLUS; WIBA/GPA
Directors & Officers Liability
This offers protection to directors and officers of the institution in the event of a claim against them alleging any act, error or omission (negligence, wrongdoing, mis-communication, laws violation) while acting in their management position. This cover takes care of both the defense costs and court awards.
Fidelity Guaranteed
This policy will indemnify where employees steal, embezzle or collude with outsiders or insiders.
Public liability
This policy will cover legal liability claims from third parties which may arise in connection within the institution premises in respect of accidental death, bodily injury or accidental damage to property.
Plate Glass Insurance
This policy will cover damage or breakage of large windows of glass used in institutions. It is often an extended coverage that supplements property insurance, as standard property policies may exclude plate glass damage. Plate glass insurance usually only covers accidental breakage.
Group Credit
This loan protection arrangement will provide cover to the financial institution for the amount of loans outstanding from their borrowers. If death or total disability occurs before repayment of the full loan the policy pays the amount outstanding to the financial institution.
The following is covered;
- Free Cover Limit is Kshs. 5,000,000
- On death of a member, the outstanding loan amount is payable.
- On permanent & total disability of a member, the outstanding loan amount is payable.
- On loss of income as a result of retrenchment, the outstanding loan monthly payments of up to 6 months shall become payable subject to a maximum limit of Kshs. 500,000 Medical examinations shall be required for any client whose limit exceeds this amount.
Age Limits are: Minimum age: 18 years Maximum entry age: 65 years
NB: Members beyond age 65 shall be reviewed on an individual basis which shall include medical examination, then terms issued.
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