Learning &
Education Services

Learning & Education Services

Specialist Insurance for Educational Institutions and Learning Facilities

Ansvar provides specialist insurance and risk solutions designed to protect those who provide learning and education services including childcare and early learning centres, independent schools, colleges and adult learning centres.

With Educational institutions having gone through significant regulatory changes in recent years and with increasing risk factors such as molestation claims, playground safety and changing employment practices, there is a critical requirement for education and learning institutions of all types to have the right insurance and risk management solutions in place to protect themselves, their staff, volunteers and students who are in their care.

Having worked with a wide range of learning and education institutions over many years, Ansvar’s understanding and knowledge of the specific risks involved and what insurance protection and safeguarding measures can be put in place is unmatched.

Using its unique insights and expertise in the sector, Ansvar has developed customised insurance protection and a range of risk management tools and resources designed specifically for clients involved in the provision of learning and education services.

Risk Management

At Ansvar, we genuinely care about education which is one of the reasons why we have given back around $15 million over the last 25 years to support the education and life skill training needs of disadvantaged young Australians. We really want to ensure that the private and independent education sector continues to thrive and has the right support and protection in place to manage the unique risks associated with delivering high quality education.

We understand the types of risk exposures that learning environments face, so we’ve created enhanced risk management services to ensure your staff, volunteers and facilities are properly protected.

Key risks in the Learning & Education Service sector include playground safety, financial loss, physical abuse and sexual molestation and protection of people.

Playground Safety
Financial Loss
Physical Abuse &
Sexual Molestation
Protecting People

Enterprise Risk Management

Our ERM Solutions

To assist our Learning and Education Service customers, our team of ERM experts can help assess specific areas of risk and identify invaluable techniques for improving organisation wide practices to minimise such risks. Our ERM solutions include the provision of risk advice, risk assessments, risk insights and a range of risk tools and resources to help protect and safeguard people under your care.

 

Learning & Education Service Insurance Products

Educational institutions have undergone significant regulatory changes over recent years. Now, more than ever, it is critical for schools to ensure the right insurance coverage is in place to protect themselves, their staff, volunteers and students who are in their care.

Increasing risk factors, including molestation claims, playground safety and changing employment practices requires all educational institutions to strengthen their risk management approach and ensure they have the right insurance protection in place. At Ansvar, we get this and have designed tailored insurance products to address the needs and requirements of the Learning and Education Services sector.

At Ansvar, we insure small and large organisations and provide a Business Insurance package product for SME’s and individual products for larger organisations.

Education Insurance Business Pack
Industrial Special Risks
General Public & Products Liability
Management Liability
Professional Indemnity
Learning & Education Insurance Policy Documents

Education Insurance Business Pack

General Public and Product Liability insurance

Public and Products Liability insurance protects the Insured organisation for personal injury or property damage claims from a third party. Personal injury or Property Damage can occur in many ways, for example lack of maintenance of premises, provision of group activities, community events, the selling or donation of products, food handling or lack of attention to the people in the Insured’s care can pose risk of injury or damage occurring. In the event that the organisation is deemed liable for injury or damage, the General Public and Products Liability policy is designed to pay compensation to the third party.

Physical and sexual abuse cover

Offered as an extension within the Public and Products Liability policy, Ansvar’s Sexual Abuse Cover protects your organisation against allegations of sexual abuse committed by either an employee or volunteer against a member of the public whilst in your care.

The cover is offered to organisations with robust risk management procedures in place and offers peace of mind for a serious risk which is very real for organisations that provide care to vulnerable people including children, the disabled and the elderly.

Choose the cover that’s right for you. With Ansvar’s General Public and Products Liability insurance you can add additional cover to suit your organisation’s needs.

Management Liability

Management Liability Insurance protects you and your learning and education institution against operational risks and exposures. It is a packaged executive protection insurance policy that typically includes:

  • Entity Liability
  • Directors and Officers Liability
  • Entity Reimbursement
  • Employment Practices Liability
  • Trustees Liability
  • Statutory Liability
  • Internet Liability
  • Entity Crisis Cover

It is designed to protect an organisation, its directors and officers and employees against actions brought by:

  • Regulators
  • Employees
  • Competitors
  • Creditors
  • Shareholders (especially minority shareholders)
  • Clients

Most common types of claims under Management Liability Insurance:

  • Breaches of director’s duties and/or fiduciary duties, including breach of trust
  • False, misleading conduct by directors/officers and
  • Actions alleging improper and illegal conduct
  • Statutory breach of duty i.e. under legislation
  • OH & S prosecutions and inquiries
  • Employment: unfair/wrongful dismissal, discrimination, harassment, wrongful failure to employ or promote
  • Defamation by directors/officers
  • Breach of intellectual property rights by directors/officers
  • Employee theft, including theft of money and property
  • Statutory fines & penalties
  • Taxation investigation costs

Professional Indemnity

Professional Indemnity insurance covers you for a claim made against you or your employees during the period of insurance as a result of a breach of professional duty and includes cover for:

  • Claims preparation costs
  • Continuous cover
  • Court attendance costs
  • Good Samaritan acts
  • Indemnifiable fines and penalties
  • Investigations and inquiries
  • Joint venture
  • New subsidiaries
  • Public relations expenses
  • Run-off cover
  • Spousal liability
  • Vicarious liability
Volunteers Personal Accident Insurance

Ansvar’s Personal Accident cover is designed to provide compensation to volunteers who provide services on behalf of the Insured if they are injured whilst providing those services. Unlike employees, volunteers are not covered under the Insured’s Workers Compensation Insurance Policy. Therefore it is vital that the Insured takes out this cover to protect the volunteers in the event they are injured whilst performing their volunteer duties. The Volunteers Personal Accident cover is a defined event policy, so there is no requirement for the Insured to be negligent in order to claim. It provides an upfront financial benefit in the event that one of the defined events of the policy occurs. It ensures the Insured organisation provides protection to one of its most important assets – its volunteer workforce.

*This cover complements Ansvar’s General Public and Product Liability Insurance policy.

Property Insurance – Commercial premises

This cover provides accidental damage to your insured property at the location(s) where you carry out your operations. Cover applies to the declared property for damage occurring during the period of insurance.

Business Interruption Insurance

Business Interruption Insurance covers you for loss of income and/or increased costs of working as a result of damage occurring during the period of insurance.

Crime Cover

Crime cover protects you for loss of money, burglary or theft of property (other than money), and theft by officials.

Glass Breakage

Glass Breakage covers you for accidental breakage of external and internal glass including leadlight and stained glass.

Breakdown of Mechanical and Electronic Equipment

Machinery Breakdown covers you for breakdowns for equipment such as mechanical equipment, explosion of boilers and pressure vessels.

Electronic Breakdown covers you for the breakdown of electronic equipment, such as computer equipment or point of sale machines, at your location(s).

General Property

General Property covers you for accidental damage caused to specific items that you have elected to insure Australia wide.

Industrial Special Risks

Ansvar’s Industrial Special Risks Insurance (ISR) provides Material Damage cover and Consequential Loss cover for medium to larger learning and education institutions with insurable asset values over $10 million. 

This policy is designed to protect physical assets, including buildings, stock, plant and machinery and other property for losses from fire and perils, burglary, theft, loss of money, glass breakage and mechanical breakdown. 

General Public & Products Liability

Public and Products Liability insurance protects the Insured organisation for personal injury or property damage claims from a third party.  Personal injury or Property Damage can occur in many ways, for example lack of maintenance of premises, provision of group activities, community events, the selling or donation of products, food handling or lack of attention to the people in the Insured’s care can pose risk of injury or damage occurring.  In the event that the learning and education institutions is deemed liable for injury or damage, the General Public and Products Liability policy is designed to pay compensation to the third party. 

Sexual Abuse Cover

Offered as an extension within the Public and Products Liability policy, Ansvar’s Sexual Abuse Cover protects your learning and education institution against allegations of sexual abuse committed by either an employee or volunteer against a member of the public whilst in your care.

The cover is offered to organisations with robust risk management procedures in place and offers peace of mind for a serious risk which is very real for organisations that provide care to vulnerable people including children, the disabled and the elderly. 

Management Liability

Management Liability Insurance protects you and your learning and education institution against operational risks and exposures. It is a packaged executive protection insurance policy that typically includes:

  • Entity Liability
  • Directors and Officers Liability
  • Entity Reimbursement
  • Employment Practices Liability
  • Trustees Liability
  • Statutory Liability
  • Internet Liability
  • Entity Crisis Cover

It is designed to protect an organisation, its directors and officers and employees against actions brought by:

  • Regulators
  • Employees
  • Competitors
  • Creditors
  • Shareholders (especially minority shareholders)
  • Clients

Most common types of claims under Management Liability Insurance:

  • Breaches of director’s duties and/or fiduciary duties, including breach of trust
  • False, misleading conduct by directors/officers and
  • Actions alleging improper and illegal conduct
  • Statutory breach of duty i.e. under legislation
  • OH & S prosecutions and inquiries
  • Employment: unfair/wrongful dismissal, discrimination, harassment, wrongful failure to employ or promote
  • Defamation by directors/officers
  • Breach of intellectual property rights by directors/officers
  • Employee theft, including theft of money and property
  • Statutory fines & penalties
  • Taxation investigation costs

Professional Indemnity insurance covers you for a claim made against you or your employees during the period of insurance as a result of a breach of professional duty and includes cover for:

  • Claims preparation costs
  • Continuous cover
  • Court attendance costs
  • Good Samaritan acts
  • Indemnifiable fines and penalties
  • Investigations and inquiries
  • Joint venture
  • New subsidiaries
  • Public relations expenses
  • Run-off cover
  • Spousal liability
  • Vicarious liability

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1300 650 540

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