SCHOOL PROTECTION

INSURANCE
What is Britam School Protection
policy?
 This is a comprehensive package
that Covers schools and other
learning Institutions against loss
or damage to property, injury,
death of teaching and Non-
teaching staff and third party
liabilities
What are the key benefits of this package?
 simple and convenient, ideal for schools and
other learning institutions
 Single discounted premiums for a variety of
covers
 Easy and flexible payments
 Cover for student personal effects in the event of
fire
 This product has several sections as briefly
explained below
FIRE & PERILS
Property insured include office blocks, swimming pool,
classrooms, library, laboratories, dormitories, furniture,
cabinets, beddings, stocks of books and food; and any
other such property against the following risks:
 Fire
 Lightening
 Earthquake
 Flood and storm
 Riot, strike, civil commotion and malicious damage
Explosion as a result of domestic gas cylinders
 Rate: 0.25% Minimum premium 5,000/-
BURGLARY(THEFT USING FORCE)
We cover all moveable school property and
items like office and class furniture, beds and
beddings, lab equipment, books, foodstuff
against loss or damage arising from forcible
and violent entry and/ or exit to the school.
 A key policy requirement is that there ought to
always be a security guard
 watchman on duty. It should be noted that theft
by employees is not covered under this policy.
 This cover cannot be taken without fire and peril
cover above.
 Rate: 0.75% , Minimum premium 5,000/=
ALL RISKS/COMPUTERS

 Insurance under this section is specifically

arranged for computers and accessories,
laptops, photocopiers, fax machines and
other electronic machines.
 This cover offers financial compensation in case
your electronic equipment accidentally falls and
breaks, is stolen or is gutted down by fire.
 Rate: 1.5%
GPA FOR TEACHERS & NON-TEACHING
STAFF
 The cover provides monetary payments in the
event of bodily injury sustained by teachers
and other employees of the school.

 The injury must be caused solely and directly by

an accident and which may lead to incurring
medical expenses, physical impairment, and
disablement or in death.

 The cover has been designed to cover

teachers and non-teaching staff on a 24 hour
basis.
WORK INJURY BENEFITS ACT INSURANCE
(WIBA)
 Work injury benefits Act insurance is a
compulsory cover by legislation for all
employees engaged by the school for a gain may
be teachers or other subordinate
staff. The current legal requirement is a minimum
of 8 years basic salary. Insurance
offered is against bodily injury, illness or disease
sustained in the course of
employment
 Premium - This will be provided based on the
salary/ wages as declared
PUBLIC LIABILITY
Public liability insurance is designed to
cover legal liability claims from third
parties which may arise in connection
with the use of the schools’ premises.
 Such claims may be in
respect of accidental
death, bodily injury or
accidental damage to
property.
STUDENTS PERSONAL ACCIDENT
COVER
 It’s a Personal Accident insurance that covers
students for :
 Medical expenses following accident.
 Death.
 Loss of limbs, sights & hearing such other
permanent total or partial disablements.
 A 24 hours 365 days cover – both when in
schools & during holidays.
 Reasonable rates of Ksh.1/= per day.
 4 comprehensive plans are available
BENEFITS
Options I II
Medical 150,000 100,000
PTD 300,000 200,000
Death 100,000 100,000
A/Appliances 100,000 75,000
Dental 15,000 15,000
Last Expense 25,000 25,000
Premium 965 702
Options

Options III IV
Medical 75,000 50,000
PTD 100,000 75,000
Death 75,000 50,000
A/Appliances 50,000 25,000
Dental 15,000 15,000
Last Expense 25,000 25,000
Premium 509 369
SCHOOL BUS INSURANCE
 This cover provides indemnity against loss or
damage to motor vehicle, liability to third
parties and passenger liability that may arise
out of the use of the vehicle.
 The cover includes Riot, strike and civil
commotion