School boards of trustees, parent-teacher associations, and education-linked charitable trusts carry significant responsibility — often with limited insurance knowledge and tight budgets. From board member personal liability to event cover and property protection, specialist advice ensures nothing falls through the gaps.
✍️ The CharityInsurance Crew — your friendly insurance geeks · Updated May 2026
Key Risks for Schools
Board of trustee personal liability
Student or public injury during school events
Volunteer accident during working bees or events
Theft or damage to school property
Employment disputes with school staff (where applicable)
Professional liability for education trusts
Recommended Cover for Schools
D&O / Trustee Liability
Public Liability
Property & Contents
Volunteer Personal Accident
Employers Liability
Professional Indemnity
Cover requirements vary by organisation size and activities. A broker will tailor the right mix.
How Claims Work
Contact Your Insurer First
In any incident, your first call should always be to your insurer — not your broker, not your lawyer. They activate the response.
Broker Advocates for You
Your broker steps in to manage communication, paperwork, and timelines on your behalf throughout the claims process.
Assessment & Investigation
The insurer assesses the claim. For liability claims this may include legal investigation; for property claims, a loss adjuster.
Settlement & Recovery
Once the claim is assessed and agreed, payment is made. Your broker follows up until the matter is fully resolved.
2,500+
Schools in NZ
180,000+
Board of trustee members nationally
All sizes
From decile schools to independent institutions