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Crombie Lockwood understands schools insurance. Our schools insurance programme has been in place since 1991, and today we insure almost half of New Zealand's schools.
The programme continues to grow and develop, to address the issues faced by schools and boards of trustees today.
Our specialist schools brokers are consistently rated highly by our clients for the service and support they provide.
We offer comprehensive insurance cover that can be tailored to your school's unique risks, keeping your school property and reputation fully protected.
While the Ministry insures some of your buildings and property, you need to take care of your other assets and risks. Overcode buildings, sports facilities, landscaping and other community-funded assets are often huge sources of pride for the school and community. Material damage and business interruption cover ensures these are protected and 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 cover can help you keep operating ie
If there’s damage to property you hire out to the community, your business interruption policy can cover you for loss of income.
Claim scenario: A leaking pipe shuts down a school
A water pipe fails in the ceiling of a school's admin centre. Photocopiers, computers, the server and phone system are all damaged. While these are replaced business interruption cover provides for the additional cost of hiring temporary equipment.
Employment disputes are one of the most common sources of claim 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 covers settlements and award of damages where claims are successful.
It’s essential to follow the correct procedure when handling employment disputes, so you don’t prejudice the outcome of any claim, and to comply with the conditions of your insurance policy. The New Zealand School Trustees Association (NZSTA) provides advice at no cost, so it is important you contact them early in the process for guidance.
Liability almost always strikes your school out of the blue. What starts as an accident or unfortunate event suddenly turns into a claim for damages, and with that comes legal costs. Liability insurance covers the legal cost of defending a claim, and the compensation that you may be directed to pay the injured or wronged party.
Every school has a commitment to act professionally, but sometimes things go wrong. Professional indemnity insurance covers any amounts you 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, providing up to $50,000 to hire experts to help manage a PR crisis related to a potential or actual claim.
Schools are a common target of 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.
How does cyber cover work?
If your school is attacked, your first need is expertise. Cyber coverage is triggered if either your school or your outsourced service provider have a network failure.
Then we help you recover from the attack:
Find out more
Motor vehicle insurance
Our comprehensive 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 a popular optional add-on for schools with our motor vehicle policy, offering 24 hour vehicle breakdown assistance. It doesn’t matter who’s driving, because the vehicle is covered, not the driver. The service includes:
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). It includes the following benefits:
Our annual travel insurance provides cover for student and sports teams on school trips in New Zealand and overseas. Speak to your broker for more details.
Crombie Lockwood schools insurance brokers are your point of contact for all your insurance requirements. They are highly trained and experienced, with independent surveys consistently rating our schools brokers higher than the industry benchmark. Our brokers visit your school, meet your team and can present to administrators, boards of trustees and parents to ensure everyone understands levels of cover.
The role of our schools brokers is to help you identify and manage your risks. They can help prioritise your cover so you make the most of your available funds. When it comes to renewal or claim time they help take care of things for you.
Schools insurance makes sure your school’s property and reputation are secure.
The Principal's Federation legal support scheme provides immediate access to expert legal assistance when needed.
Safer Schools is a risk management service to help schools develop their health and safety programmes.
Cost effective – early childhood education Insurance solutions for kindergartens, childhood centres and play centres.
Cover for international students while they study and travel in New Zealand.