Liability insurance for educational establishments
Liability insurance for educational centres has a wide scope of application: owners of the centres, directors, teachers, parents and tutors, pupils and also all persons who are present in an educational centre and suffer damage during the development of an activity.
Tailored to your needs
Who is the public liability insurance for educational institutions aimed at?
- Teaching academies
- Educational leisure activities: workshops, games, courses, etc.
- Excursions, summer camps, camps on national territory.
- Parents’ Associations (A.M.P.A.)
- Holiday camps
- Special education centre (deaf and dumb, handicapped, blind)
- Physical education centres
- Institutions of higher education: Master’s, postgraduate or vocational institutions
- Vocational training centres
- Companies involved in the organisation and delivery of training courses
- For enterprises providing primary and secondary education
- Pre•school, kindergarten, nursery, day•care centre
- Agricultural training
- Instructor for martial arts
- Teacher for skiing, climbing, adventure sports (risk or adventure)
- Teacher for yoga, pilates, spinning, etc.
- Sports teacher:in and/or coach
- Babysitting service
What is liability insurance?
General civil liability is enshrined in the Civil Code: “Whoever, by act or omission, causes damage to another through fault or negligence, is obliged to compensate for the damage caused. Not only for his own acts or omissions, but also for those of the persons for whom he is responsible…”.
In view of the uncertainty as to the amount of this compensation, civil liability insurance is taken out, the purpose of which is to protect the insured’s assets against claims for damages.
Liability covers several areas:
- civil liability for activities or work carried out by companies or self-employed persons.
- civil liability arising from accidents at work
- liability arising out of the manufacture and distribution of products.
Different types of liability insurance have been developed, adapted to the specific characteristics of different business sectors.
- Third party liability
- Damage to third parties caused by the operation of the centre
- Liability for immovable property
- Bodily injury to contractors and subcontractors or third parties
- Damage to third parties caused by the maintenance and upkeep of the facility
- Subsidiary civil liability of contractors and subcontractors
- Damage caused by the organisation and operation of ancillary facilities, such as security services
- Provision of meals and beverages
- Business travel to congresses, exhibitions or trade fairs
- Buildings and sports facilities
- Organisation of cultural visits and excursions
- Personal liability for members of the school management, as well as for teachers and other employees
- Defence and bail
- Employer’s liability for damages suffered by the insured person’s employees
- Premises (employers’ liability)
- Liability for bullying
- Damage to employees’ property