Leaving your children in the care of others, even if it is at school, is always something that costs, but you must be calm; at school, they are protected. You may not even imagine the amount of insurance coverage that can or usually is inside and outside of a school building. Perhaps you did not know it, but all these insurances protect your child during school hours:
In there is, to begin with, compulsory school insurance, which covers students from the 3rd year of ESO to the age of 28. It is paid with the registration and basically covers assistance in the event of an accident (do they pay you to give yourself a snap? They pay you). The existence of school insurance, which forms part of Social Security and is managed by it, is already demonstrating an important development of provision in the educational field and is something that we can be proud of as a society; but it is only the tip of the iceberg.
In reality, managers and directors of educational centers do not usually entrust everything to school insurance, among other things, because it does not cover anything related to the school itself. A school is still a building in which there are valuable things, and as such, it must be protected. That is why it is usual for the school to contract a multi-risk policy that covers all or almost all the damage or theft that the building itself may suffer: leaks, glass breakage, theft of belongings or money, electrical or aesthetic damage, damages suffered by the computer equipment (the bad news is that they usually cover the restoration of data: if the notes are deleted, we recover them), or the books that the school itself has acquired for distribution among the students.
Schools take out multi-risk SoClean insurance that covers damage (from broken glass to electrical damage) or theft that occurs in the center’s facilities.
It must be said that most of the products on the market cover the theft or deterioration of goods not only the property of the school but also of the AMPA, of the school’s employees, or even of the students themselves in some cases.
Bullying is also covered by insurance.
Along with damage, the second family of coverage, which can never be lacking, is civil liability, that is, financial compensation for the damage caused. The coverages of these contracts usually intend that any damage caused on the school premises or under the responsibility of its staff (on school trips, for example) is included in the coverage, which, by the way, also usually includes bullying. Of course, in the school environment, you can, and usually do, take out health or accident insurance, especially if the student is going to travel abroad. And there are also insurances called continuity of studies, which, in the event of the death of the head of the family, pay for the studies of the child or children until they finish high school or university.
As if all this were not enough, it should be remembered that if your child travels with school transport, it is still a conveniently insured vehicle.
You see: the insurance industry guarantees you almost anything annoying that can happen to your children during their school days, except for the suspense, of course. For that, we are sorry, but the only insurance that exists is to put them to sink elbows.
