Schools deserve specialist insurance

Education institutions face risks that general commercial policies don't address—safeguarding liabilities, governors exposure, field trip cover, and property portfolios spanning listed buildings to modern sports facilities. We place insurance programmes tailored to how schools and academies actually operate.

Get an education insurance quote

Institution Type

Email Address

Phone Number

Number of Pupils

Who we insure

🏢

Academies & MATs

Portfolio rates, group governance support, and streamlined claims handling for multi-site Academy Trusts and Maintained schools converting to academy status.

📚

Independent Schools

Bespoke cover for independent, prep, and boarding schools with specialist governors liability, overseas trip extensions, and premises protection.

🎓

Colleges & Universities

Comprehensive insurance programmes for higher education, including research facilities, student accommodation, and international campus operations.

Cover we provide

🏛️

Property & Buildings

Cover for school buildings, sports halls, annexes, listed structures, and grounds. Includes reinstatement cover for period of restoration.

👥

Governors Liability

Statutory and common law liability cover for board members and governors. Protection against employment practices and wrongful decisions.

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Public & Employers Liability

Essential cover for injuries to pupils, staff, and visitors. Employers liability for workplace accidents and work-related illness claims.

📊

Business Interruption

Cover loss of income following insured damage. Protects income stream during building repairs and emergency closure periods.

✈️

School Trip Cover

Worldwide cover for educational visits and trips. Includes contingency expenses, activity liability, and emergency medical costs.

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Cyber & Data

Protection against ransomware, data breaches, and business email compromise. Covers cyber liability, data recovery, and regulatory fines.

Why choose Forum

🎯

Education Specialists

35 years placing education insurance. We understand school budgets, governance, safeguarding, and operational challenges.

💰

MAT Portfolio Rates

Group rates and streamlined administration for Multi-Academy Trusts. Tailored to your trust structure and pupil numbers.

📞

Claims Support

Dedicated claims team available during school hours. Fast resolution with minimal disruption to teaching and learning.

⚠️

Risk Management

Proactive risk guidance. Regular loss prevention updates and guidance on safeguarding, health & safety, and compliance matters.

Frequently asked questions

What is the difference between academy and maintained school insurance requirements?

Academies are independent employers with full liability for employment law, premises, and governance. Maintained schools benefit from Local Authority indemnity for some statutory duties but must still hold governors liability and activity cover. Both require comprehensive public and employers liability protection.

Is governors liability cover essential for our school?

Yes, governors liability is statutory for all schools. It protects governing body members and senior leaders against legal claims arising from wrongful acts, employment disputes, statutory violations, and abuse of office. This is mandatory insurance and not optional.

Does school trip cover include international visits?

Standard school trip cover includes UK and selected European destinations. International trips require extended worldwide cover with activity-specific extensions (adventure activities, sports tours). We arrange specialist trip insurance for exchange programmes and overseas expeditions.

How is insurance cover arranged for listed historic school buildings?

Listed buildings require specialist surveying and building specification. Reinstatement costs are often significantly higher due to statutory heritage requirements. We arrange specialist cover with heritage builders quotes and higher sum insured for restoration compliance.

What does cyber insurance cover for schools?

Cyber cover protects against ransomware attacks on pupil records, staff payroll systems, and finance data. It includes ransom negotiation support, data recovery costs, incident response, regulatory fines (GDPR), notification costs, and business email compromise fraud.