Britam School Protection policy

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?
– Its 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

SECTION A: Fire and 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

SECTION B: Burglary (Theft using force)
Under Burglary 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.

SECTION C: All risks/ Computer
– 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.

SECTION D: Group personal accident 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.

SECTION E: Student Group Personal Accident
-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.

SECTION F: 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

SECTION G-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.

SECTION F: 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.

For More information and How to sign up,

Contact

Gallin Wekesa – Financial Advisor at Britam

0712-870-447 gallywexa@gmail.com