The Education Service

School Building Insurance

The primary responsibility of the governing authority of a Catholic School is to occupy and conduct the school on behalf of the Landlord (Diocesan/Religious Order Trustees) and under the supervision of the Diocesan Bishop.

In occupying a Catholic School Site, the governing authority is responsible for the maintenance and development of the assigned asset(s) and for ensuring that they are correctly insured.

The Trustees of the Diocese of Westminster commissioned the Catholic Church Insurance Association (CCIA) to develop a school buildings insurance solution that protected Diocesan/Religious Order assets and observed the principle of “the common good”. In response to this commission, the CCIA established the “Catholic Schools, Academies and Colleges Property Insurance Scheme”, using the Catholic National Mutual Ltd and Zurich Municipal as co-insurers.

The Trustees of the Diocese of Westminster formally adopted the CCIA scheme in 2012, requiring the governing authority of all schools/academies occupying trust assets to use the CCIA scheme. Exceptions are permitted is the governing body can establish either of the following:

  • The cover is identical but the premium is lower, or
  • The premium is identical but the cover is better

Governing authorities seeking exemption from the approved scheme can submit full details to the CCIA for review. A small number of schools have successfully secured an alternative Insurance Package that was reviewed by the CCIA and recommended for approval by the Trustees.

The CCIA Capital Asset Insurance Scheme is available to all Catholic Schools, not just those in the Diocesan General Trust. Religious Order Schools, Sixth Form Colleges and Independent School are encouraged to consider the advantages of this scheme and to discuss insurance requirements with their own Trustees as required.

If you need further information on Insurance, please contact Nigel Spears nigelspears@rcdow.org.uk.

 

 

Standard Cover provided through the CCIA scheme

 

Cover extensions available upon request through the CCIA Scheme

Cover NOT provided by CCIA but is normally by your Local Authority

Other covers NOT provided by CCIA but that may be available upon request from your LA

All Risks Buildings Insurance

 

All Risks Contents Insurance including all on-site ICT equipment

 

Business Interruption Insurance. Limits (Primary School – £4M/24 Months), (Small Secondary School – £7M/36 Months), (Large Secondary School – £8.5M/48 Months)

 

Contract Works Insurance (Automatic cover for projects up to £100,000)

Contract Works insurance (Contracts greater than £100,000)

 

Insurance for portable computers (When taken off-site)

 

Loss of Revenue (Fee income)

 

Damage to Artificial Sports Pitches (MUGA)

 

Money cover

Public Liability

 

Employers Liability

 

Engineering Inspections Insurance

 

Libel & Slander

 

Fidelity Guarantee

 

Personal Accident

 

School visits and journeys

 

Motor Policies

 

Legal Expenses

 

Staff Absence Insurance

 

Deterioration of Stock

 

Hirers Liability

 

 

 

 

 

 

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