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Crombie Lockwood has been working with schools for over 25 years, and today we insure almost half of New Zealand's schools.
We have an insurance solution designed for specifically for schools, including cover for business interruption, material damage, liability, employment disputes, cyber and more.
Our experienced schools brokers are your point of contact for all your insurance requirements. They work with you to assess your risks and get the right levels of cover in place to suit your needs. Our brokers can visit your school to meet your team and present to administrators, boards of trustees and parents to ensure everyone understand the levels of cover.
While some school buildings and property are included as part of the Ministry's cover, property and assets beyond this coverage (referred to as overcode) require additional insurance. Sports facilities, landscaping, additional buildings and classrooms, and other community-funded assets can be a huge part of the school and its community. Material damage and business interruption cover can help ensure these are protected and that you can continue to operate if something happens.
A material damage policy can cover the repair, replacement or rebuild of:
While your damaged property is being fixed, business interruption insurance could help you keep operating, ie by covering:
If there’s damage to property you hire out to the community, your business interruption policy can cover you for loss of income.
Employment disputes are one of the most common claims we see from schools. Situations that can lead to employment disputes include:
Employment disputes insurance covers legal costs arising from personal grievance claims, where approved lawyers are used, and can cover settlements and award of damages where claims are successful.
The New Zealand School Trustees Association (NZSTA) provides advice at no cost, to help guide schools through the correct procedure when handling employment disputes. It is important you contact them early in the process so you don’t prejudice the outcome of any claim, and to comply with the conditions of your insurance policy.
Liability insurance covers the legal cost of defending a claim, and the compensation that you may be directed to pay injured or wronged parties.
Professional indemnity insurance covers amounts you may have to pay if your school is found to have negligently breached its professional duty when it comes to:
A public relations extension to professional indemnity cover is also available for accessing PR expertise to help manage a crisis related to a potential or actual claim.
Schools can be a common target for cyber criminals, due to their reliance on IT and high number of users. Cyber attacks are disruptive, upsetting and can lead to serious reputational damage for your school.
Motor vehicle insurance
Our schools motor insurance policy covers vehicles owned by schools, and those used by staff, volunteers or parents on school business. It includes cover for:
Drive On – roadside assistance
Drive On is an optional add-on for schools with our motor vehicle policy, offering 24 hour vehicle breakdown assistance.
Our Safer Schools programme helps schools create a safe environment for employees, students and visitors, and to meet obligations under the Health & Safety at Work Act (2015).
Our annual travel insurance can cover student and sports teams on school trips in New Zealand and overseas. Speak to your broker for more details.
Insurance solutions for New Zealand schools
The NZPF legal support scheme assists members with legal fees and advice.
Safer Schools is a service to help schools develop their health and safety programmes.
Insurance solutions for childhood centres, kindergartens and play centres.
Cover for international students while they study and travel in NZ.