Third Party Private
Third party Fire & Theft Private:
Comprehensive Cover Private:
Tractor Commercial:
Trade (Road Risks):
Own Goods Commercial:
Truck Sure:
PSV:
PSV Car Hire:
School Bus and Vans:
General Cartage:
Spire School Care Policy.
Spire School Care Policy
Spire Schools Care Policy has been comprehensively packaged to ensure that the policies, terms
and support services effectively address the issues that schools, institutions of higher learning,
teachers or non teaching staff and students encounter. Our school insurance policy offers the
most comprehensive and competitively priced package in the market.
Spire Schools Care Policy offers the following covers under one umbrella:
Fire and Related Perils
Provide insurance to schools covering fire, lightning, earthquake, floods & storm, riot, strike, civil commotion, spontaneous combustion, explosions and malicious damage. Property to be insured includes office blocks, swimming pool, classrooms, library, laboratories, dormitories, kitchen, furniture, cabinets, beddings, stock of books, computers, vehicles and swimming pools.
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 school’s premises. Such claims may be in respect of accidental death, bodily injury or accidental damage to property.
Burglary
Burglary Insurance covers losses or damages to property and its contents in the school premise due to theft by actual, forcible and violent entry and/or exit.
The policy will cover all moveable school property and items i.e. furniture, beds & beddings, lab equipment, books, foodstuff. This section has to be taken out together with section A above.
Group personal accident for teachers / non teaching staff
This policy provides lump sum payment in the event of death or permanent bodily injury due to accidental related causes. The cover extends to cater for medical expenses, loss of income and funeral expenses. Benefit is calculated on the basis of annual income.
All risks-electronics/computers
Insurance under this section is designed to cover all kind of electronic machinery and equipment such as laptops, computers & accessories, fax machines, photocopiers or printers.
All Risk insurance provides cover against losses arising from any fortuitous cause except those that are specifically excluded i.e. in case the electronic equipment accidentally falls and breaks, is stolen or is gutted down by fire.
WIBA for Teaching and Staff
Work Injury Benefits Act Insurance is a compulsory cover by legislation for all employees engaged by the school for a gain may they 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.
Group Personal Accident for students
This policy provides lump sum payment in the event of death or permanent bodily injury due to accidental related causes whilst at school, travelling to and from school, or on school-related outings and sporting events.
The cover extends to cater for medical expenses, loss of income and funeral expenses. Medical expenses cover allows the school to arrange medical care in an emergency without having to contact the parents.
School Bus
Spire School bus Care is a comprehensive cover the school owned vehicles against accidental damage, following malicious damage, collision overturning, theft, riot, strike, civil commotion, natural perils e.g. floods and third party liabilities.
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