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Insurance & Special Schools

N.A.B.S.M.E. 23rd Nov 2007

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Custodian School Protection Policy

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overview•Damage to Property

•Consequential Loss

•General Liability

•Indemnity to School Management

•Legal Expenses

•Personal Accident

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General LiabilityEmployers’ Liability:

Legal liability for injury to employees

Public Liability:

Legal liability for accidental injury to third parties –

- Pupils

- Visitors

- Recreational users

- Trespassers

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School Related Activity

Any activity usual to a school which is carried out with the full knowledge of and under the control of the Board of Management of the school or of any other person specifically authorised by them

Includes

•Bus escorts

•Administration of medicines

•Fund raising (small events)

•School trips

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General Liability Indemnity to

•Patron

•Trustees

•Board of Management (Corporate Body)

•Each individual member of the Board of Management

•Principal and Teachers

•At the request of Board any other person acting on their behalf

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INDEMNITY TO MANAGEMENT

Professional Indemnity

Trustees Directors’ and Officers’ Liability

Employment Practices Liability

Fidelity Guarantee

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Professional Indemnity

•Breach of duty arising from negligent act

•Breach of trust

•Libel or slander

•Infringement of copyright

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Professional Indemnity - examples

•Disciplinary actions – suspension / expulsion pupils

•Equality Legislation – enrolment / discrimination

•Appropriate education

•Assault

•Libel /slander

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Professional Indemnity to

•Patron

•Trustees

•Board of Management (Corporate Body)

•Individual members of the Board of Management (Past & Present)

•At the request of Board, teachers or others acting for the school

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Trustees, Directors’ & Officers’ Liability

Breach of Duty etc

Whilst acting in the capacity of a trustee, director or officer of the school

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Employment Practices

•Unfair dismissal

•Discrimination (employee or applicant) on grounds of

gender, marital status, family status, sexual orientation,

religion, age, physical or mental disability, race, colour,

nationality or membership of travelling community

•Refusal to employ a qualified applicant

•Failure to afford the same working conditions

•Harassment or bullying

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Employment Practices Indemnity to

•Patron

•Trustees

•Board of Management (Corporate Body)

•Individual members of the Board of Management (Past & Present)

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Fidelity Guarantee

Dishonesty in embezzling money or property belonging to school.

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Legal Expenses

Pursuit of legal proceedings involving dispute with employee or pupil

Pursuit or defence of legal proceedings arising from contract

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Personal Accident

Accidental bodily injury to board members or school staff involved in school activity

Capital Benefits for serious injuries

+

Medical / Dental / Optical Expenses … €10,000

Temporary disability per week …€500.

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