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Q: Who is your
Groups insurance designed for?
A: Our Groups insurance is suitable for groups or
individuals delivering non-curriculum based services to schools
or the community. Typical acceptable group activity would
include arts & crafts groups, sports coaching (excluding any
contact sports i.e. rugby), dance classes, gymnastics, music
lessons and the like.
Please note that our
Groups insurance will not provide cover for groups:
-
Which are not
part of an out of school or school holiday provision
-
Providing
additional teaching or study support or other curriculum
based services
-
Operating
sessions which take place outside of the extended schools
core hours of 8am to 6pm
-
Which take
children off site from the main school grounds (or usual
meeting place for that group)
-
Providing adult
learning/support
Q: Who
underwrites the policy?
A: All of our policies for the childcare sector are
underwritten by Norwich Union, the UK’s largest general insurer.
The legal expenses cover provided under all of our childcare
policies is provided by ARAG plc and underwritten by Brit
Insurance Ltd
Q: What makes your Insurance cover different from others
available?
A: We’ve used our extensive knowledge and experience of the
childcare sector to continually refine our policy coverage,
ensuring that it meets the needs of the childcare businesses
outlined above. Our market leading legal expenses cover will
provide you with wide coverage and policy limits plus, unlike
many other policies, all legal claims under our policy will be
handled by one firm of solicitors who work extensively in the
care sector. This means that you will receive legal
representation from people that understand the environment you
work in every day.
In addition to all of the above, as a policyholder of Pound Gates
you can also access our online health & safety, employment law
resource and access some fantastic exclusive deals with
suppliers to the childcare sector.
Q: How should I decide on the appropriate sum insured for my
group contents?
A: In order for your policy to operate effectively it is
essential that you set your cover at the right level. You must
establish exactly how much it would cost you to replace your
entire contents (as new) and select the next greatest level of
cover. So, for example, if you had assessed your total sum
insured as £7,500 you should insure for the next highest level
of £10,000. Remember to tell us if you are storing equipment in
a non-standard construction outbuilding (i.e. a wooden shed) as
this will not be covered automatically by your policy.
