Risk and Insurance

Risk and Insurance

The Risk and Insurance service provides schools with an award-winning package of insurance services which meets their statutory duties and provides a good degree of financial certainty in the event of a major loss. The service also provides technical support on risk improvement measures, professional advice to obtain the optimum outcome for the school from insured property losses and expert assistance dealing with all aspects of liability claims.

Included in the service

  • Placement of a comprehensive baseline package of insurance
  • Maintenance of detailed policy records and underwriting disclosure information such as property insurance values
  • Written confirmation of public and employers liability insurance and, where relevant, motor insurance
  • Management of all insured claims
  • Maintenance of individual claims history for the school
  • Advice on insurance related matters, including interpretation of legal scenarios
  • Ad-hoc loss control advice
  • Comprehensive guide to the school’s insurance programme
  • Access to specialist commercial insurance/claims advice from a panel of brokers, specialist solicitors, loss adjusters and barristers

Benefits to your school

  • A quality portfolio of insurance, tailored to the school’s needs
  • Highly competitive premiums previously benchmarked at circa 50% of true market rates, resulting from the authority’s buying power and levels of self-insurance
  • Competitive procurement process which is fully compliant with public sector procurement legislation
  • Nil or minimal excesses payable by the school in the event of a claim
  • Professional and impartial advice on insurance and risk improvement matters
  • Prompt settlement of claims handled by the Risk & Insurance team
  • Experienced support on technical and sensitive liability claims
  • Local knowledge and a local presence that can be on site rapidly in the event of an emergency

Further Information

If a school does not wish to continue with the service it must advise the Risk and Insurance Officer of its intentions by 1st March. A break in contract following this date will result in some, or all, of the costs for the following financial year being payable.

Quality Assurance

All externally procured insurance cover is subject to competitive tender. Costs have been benchmarked to ensure best value.


Call Mike Lane on 666 3413 or email mikelane@wirral.gov.uk