Training School Insurance

If you are involved with the delivery of a course resulting in a certificate of competence then we hope you will find the information here helpful.  Balens look after the needs of a very substantial number of varied schools in the Health field.  We have designed schemes specifically for schools, their students and graduates, as well as the Associations that receive them and / or validate their courses

Insurance Available for Training Establishments

School

• Where training is given and a student certified to be competent at end of course, claims may arise from what goes on in the classroom, the supervision process and also if the graduate has cause to claim about problems that the information they were taught has caused to their practice or a patient. The Balens wording is designed for this and mirrors many of the covers we provide Qualified Health Professionals
• Can include workshop courses giving certificate of attendance only
• Policies cover the named policyholder only unless otherwise stated (insurable interest), so that you are covered for activities of the student for which you could be held legally liable.  It won’t cover the student if they are personally sued.
• Students need to get individual cover for case studies etc performed.  Schemes can be designed for schools to provide this
• We have a special scheme for irrecoverable loss of deposits if the student can't get to the course due to accident illness etc.  The Insurance is taken out at the time of booking the course.
• Could need a Contents/Building package for your equipment stock and premises, Liabilities, Money etc

See section below, Affinity Group formed by School

Affinity Group formed by School

As well as Professional Associations, Training Schools and their Students or graduates can form an Affinity Scheme, and we have many schemes for such situations.

• Self Interest Groups tend to form around individuals, types of therapy or technique, and often want to incorporate an insurance scheme for students and graduates, sometimes including the cost of the insurance in the course fees for case study work etc.. 
• By collective strength and peer support they will usually end up arranging insurance.
• They may want a block scheme for members to do case studies, and/or to cover them once qualified (need 20-30 members in year one for this)

Directors and Officers (D & O)

Where a charity or a Business have directors/trustees, they can be held legally liable personally for their actions by law.  These policies will defend them against an allegation.

• Typical allegations would be failure to adequately look after the finances (breach of fiduciary duty) taking negligent decisions which adversely affect the organisation.
• Professional Services or Advice 
• Allegations of fraud or misconduct. 

Commercial Legal Expenses

A School or Association can incur expenses and be vulnerable under the law of the land, and contract law.  This is where they enter into an agreement with someone else and are then legally bound by that contract. This is distinct from the law of negligence.  PI policies don’t cover defence of issues like the following:

• Criminal allegations,
• Inland Revenue Investigations,
• Contract Disputes,
• Employment tribunals

These also cover Help and advice lines on legal or tax issues

Employment Practices Liability - EPL

A very recent addition, this replaces the need for Employment tribunal cover such as you would get in a Commercial Legal Expenses Policy.

Examples of typical claims situations, and good explanation leaflet available upon request 

• EPL covers Employment Practices, so if there is a dispute or industrial tribunal they will pay for the legal help and awards. 
• Commercial Legal Policies also do this but require Client to follow strict ACAS guidelines and procedures, and this is not always possible for a client

We enclose here for you some detailed information which has been collected from many years of experience in advising schools and associations.