What does the Schools Liability Insurance Programme for legal liability cover?

Summary of Cover

The following policy details are a summary of cover only and are subject to the terms and conditions of the policy wording. Please refer to the policy wording for full details.

It is important to advise Marsh (0800 29 30 31 - option 2) about any fundraising, social or community activities the school is holding which require a liquor licence, or involve use of heavy machinery or use of firearms.

Summary of cover Limit of indemnity Excess
School Management Liability

Cover for compensation arising from claims against the board of trustees, an employee, the LSM or Commissioner or a Committee of the school for a wrongful act committed in the management of your school.

Includes claims for sexual molestation (provided that it is not barred by Statute) of a student by an Insured while in the school’s care.

Defence costs for the above.

$2,000,000 $1,000
Criminal Defence Costs

Cover for legal defence costs for an Insured for defending criminal prosecutions arising out of school management.

$250,000 $1,000
Principals Cover

Cover for compensation arising from claims against the principal for a wrongful act as above during the course of management of the school.

Includes defence costs.

$1,000,000 $1,000
Cover for International Students

Cover for claims against the school for breach of the code of practice for the pastoral care for international students by the Insured or its agent.

Fee indemnification for the unused portion of tuition fees for any Signatories to the Code as a result of the school being placed in liquidation or receivership or being suspended from the Code.

Includes defence costs.

$1,000,000 $1,000
Employment Disputes Liability

Cover for compensation and legal defence costs arising from employment disputes and related issues including:

> Unjustified or constructive dismissal
> Unjustified disadvantage, unlawful suspension, unjustified demotion or failure to promote
> Discrimination
> Breach of the Privacy Act
$500,000 $3,000
Professional Liability

Cover for compensation and defence costs arising from claims for errors and omissions in providing education services including:

> Enrolment, suspension, expulsion
> Implementation of curriculum
> In Loco Parentis
$2,000,000 $1,000
Public Liability

Cover for claims including defence costs for legal liability for damage to third party property and injury to persons other than staff.

$10,000,000 $250
Forest & Rural Fires Act cover $1,000,000 $250
Punitive & Exemplary Damages $1,000,000 $250
Property of Others under Your Control $50,000 $250
Vicarious Liability - Motor Vehicles $1,000,000 $250
Drone Operation $1,000,000 $1000
Statutory Liability

Cover for fines and defence costs resulting from a prosecution for breach of certain Acts.

$2,000,000 $500
Employers Liability

Cover for damages, punitive and exemplary damages and defence costs arising from personal injury to a staff member or volunteer resulting from their employment that is not covered by ACC.

$1,000,000 Nil
Fidelity Guarantee/Crime

Cover for a loss suffered by the school arising out of theft, fraud or dishonesty by an employee or others.

$100,000 $1,000
Legal Expenses

Cover for legal expenses for the school in defending certain legal proceedings.

$100,000 $500
Legal Prosecution Defence $100,000 $500
Internet Liability

Cover for legal liability arising from the use of the internet, including:

> Transmission of Computer Viruses
> Breach of Privacy
> Unauthorised use of domain names
> Unauthorised use of any advertising material
$250,000 $1,000

Special Note:

The policy coverage is provided for all policies, excluding public liability, on a ‘claims made and notified’ basis. Any claim or known circumstance which may give rise to a claim must be notified to the insurers as soon as you become aware of them and within the current insurance year. Failure to do so could lead to declinature of that claim.