Absence Cover

Absence Cover

MAIG are currently working on an exciting new framework for school absence cover and employee well-being. Details will appear on this website shortly. In the meantime should you require any assistance please contact us.

Engineering

Engineering Insurance & Inspection

Engineering cover consists of an inspection service as well as the associated cover for those items of equipment. Due to Health and Safety regulations certain types of machinery are required to be inspected on a regular basis to ensure that they operate safely and without risk to the safety of others for example boilers and pressure plant, electrical and mechanical plant and lifting equipment. This could include your lift or access platform to the heavy equipment used in the technology rooms. Insurance covers sudden and unforeseen damage to equipment such as boilers.

Deterioration of Stock

Cover is given under this policy for loss of the contents of fridges or freezers due to the breakdown of those items.

Liability Insurance

Public Liability

Covers you and any volunteers helping you in respect of your legal liability arising from accidental bodily injury including death, illness and disease or accidental damage to third party property as a result of a negligent act, error or omission.

Hirers Liability

Provided as standard, Hirers Liability covers hirers of your premises in respect of their legal liability for accidental bodily injury, illness or disease including death and accidental damage to the premises, contents or other property not the responsibility of the hirers.

Employers Liability

Covers you in respect of your legal liability to employees for damages arising from accidental bodily injury including death, illness and disease and legal defence costs.

Libel and slander

Provides cover in respect of all sums legally liable to pay as damages for libels or slanders committed by employees, governors, trustees or directors in the course of your business.

Governor’s liability

Provides cover for any member of the Governing body in the defence of any claim or criminal prosecution resulting from maladministration, dishonest, fraudulent, criminal or malicious act or omission by any Governor or Director.

Trustees Indemnity

Optional cover for defence of any claim for mismanagement in their role as a trustee.

Legal Expenses

Covers the legal costs incurred in defending a legal action against the academy including employment disputes.

Professional Negligence

Optional cover that provides protection against claims for advice given or failure to carry out professional duties. Will include Ofsted inspections and teaching academies.

Motor Insurance

Minibus cover

Fully comprehensive cover provided on all vehicles including windscreen cover. We also cover any other commercial vehicles the school may have including vans.

Motor legal expenses

Cover for legal costs in pursuing a third party for uninsured losses or recovering damages for death or injury follow a motor accident. Cover is provided by DAS Legal Expenses Insurance Company Ltd.

Occasional business use

Occasional Business Use cover is designed to provide cover to employees who rarely need to use their own private vehicle on school business - for example taking an unwell student to hospital in an emergency or attending a meeting on an occasional basis.

Offsite Activities (School Travel)

Offsite Activities (School Travel)

We recognise the importance that trips play in a school environment, whether that is enhancing the educational curriculum to being able to reward students with trips at the end of term. Our School travel cover is extremely comprehensive and covers any trip that a school wishes to undertake, with no additional charges or declarations to worry about. Our cover provides cover for world-wide trips including winter sports, cover includes personal accident benefits, medical and associated expenses, cancellation and curtailment, baggage, personal effects and money cover. Any student, member of staff or adult acting in a supervisory capacity. This includes nursery schools and staff and work experience placements for secondary school students. This truly is a comprehensive yet simple package and should be considered essential in any school or academy.

Personal Accident

Personal Accident

Our personal accident cover is provided by one of the UK’s leading accident and health specialists. Our cover applies to all employees, volunteers, governors and directors and students. The cover provides generous benefits where someone is injured or dies as a result of an accident during work or school time. Benefits include one lump sum payments and weekly benefits and a 5 times annual salary staff lump sum benefit for employees.

Property Insurance

Material Damage

We are able to provide commercial all risks cover for damage to buildings, contents, computer equipment, and Multi Use Games Areas (MUGA). We can adapt this section to your own needs and can provide cover to PFi (Private Finance) and Diocesan schools to compliment any existing arrangements that are in place.

Business Interruption

Providing financial cover against additional costs in keeping your school or academy open following a loss. Costs can include additional items such as temporary classrooms or transport in relocating students. With many Academies hiring out halls and sports facilities we can also protect you against the loss of income whilst your buildings are being repaired following an insured loss.

Works in Progress

We provide cover for new buildings in course of erection as well as alterations or extensions to existing buildings including unfixed goods and materials. Our product has a standard limit of cover that can be easily increased during the insurance term to cater for larger projects that you may be embarking on ensuring that you have full continuity of cover across your sites.

Computer

Provides reinstatement of equipment or indemnity against damage or breakdown to computer equipment. Our computer product also provides cover for additional expenses incurred in reinstating data from a backup and for restoring data that may be lost.

Money

Our money cover provides extensive cover for the loss of money, covering losses within a building as well as whilst in transit. Our cover also has personal accident cover in the event of an assault involving the theft of money.

Terrorism

We provide optional cover against material damage and the additional cost of working following an act of terrorism. This can be tailored for multi-academy and multi-sites customers so the protection is applied where it matters.

Fidelity Guarantee

Covers the loss of assets belonging to your school due to an act of fraud or dishonesty of an employee, governor or director.

Select an insurance below

Property

Liabilities

Motor

Engineering

Personal Accident

Offsite Activities
(School Travel)

Absence Cover

Covers Summary