School insurance

steven2022

Sorry for the random question here, but any knowledgeable people on here know if primary schools need to let there insurers know that they allow parents dogs on in school playgrounds for school drop offs/pick ups? 

If they did let insurers a know would this increase premiums? 

Thanks 

Steven

marcia_

steven2022 said:

Sorry for the random question here, but any knowledgeable people on here know if primary schools need to let there insurers know that they allow parents dogs on in school playgrounds for school drop offs/pick ups? 

If they did let insurers a know would this increase premiums? 

Thanks 

Steven

 Quite probably, They will be higher risk hence sn increase in premiums 

Hoenir

Presumably the school has a policy in this regard. As they have a duty of care for the welfare of the children whilst on the premises. What's the school going to insure against? 

JGB1955

Having worked as an administrator in a primary school for more than 20 years, was never aware of any specific insurance. We certainly never paid any insurance premium.  I assume it would be covered by the Local Authority.

steven2022

I don’t think the school has any insurance for dogs brought to school by parents when dropping off/pick up children. I think they only have insurance for the school’s therapy dog. They also have a few chickens and rabbits which I think are insured. 

A family members child was recently bit by another parents dog in school playground….the school seem to be taking it lightly as the child’s skin was not broken from the bite and according to school “no marks” were left. The school are proposing a policy of designating a dog area for parents to counter any further incidents. School are saying the policy will get parents to sign some sort of disclaimer that it would be parents responsibility that there dog is trained,vaccinated,insured,etc and if a incident ever did occur it won’t be the schools liability.

to further add, the child approached the member of staff in the playground and pointed that the dog just bit him and the staff member turned around and said it must be just playing with you! Schools response to this is “further training” for the staff member in question. I don’t know I think the duty of care was  not met here and is showing signs of school negligence.

the family have had meetings with head and chair of governor and and there no sign of total banning of dogs being brought into school grounds! Even after illustrating to them an overwhelming majority of the local schools have a no dogs policy in place already.

Can the family ask to see proof of what the school insurance covers? If it only covers school animals are the school in breach of allowing these other dogs on site? 

And by implementing there dog zone policy will it not take up unnecessary school space, staff resources to manage it, and of course the increased financial insurance implication which can be used for far better school/education purposes?

JGB1955

In our Local Authority there is an outright ban on dogs on school premises. From an administrative point of view  that makes total sense.

Spendless

My kids are in their 20s now but when they were at school parents weren't allowed to fetch dogs into the playground. I never came across any service dogs whilst my kids were there when exceptions would have had to have been made.

sheramber

My children are in their 40's and no dogs were allowed in the playground sof thier school.

Parents with dogs had to wait outside the gates.

Personally, having had dogs since before my kids were born I never considered taking my dog into a scholl playground.  it was always a 'no go'  place

Malthusian

It seems incredibly naïve for any primary school to allow dogs (other than registered guide dogs or the school's own therapy dog) into the playground. In a school with dozens or hundreds of parents, some of them are going to be bad dog owners. (Voice at the back: "Does that mean a dog owner who is bad, or the owner of a bad dog?" Answer: "Yes.")

DullGreyGuy

steven2022 said:

Sorry for the random question here, but any knowledgeable people on here know if primary schools need to let there insurers know that they allow parents dogs on in school playgrounds for school drop offs/pick ups? 

If they did let insurers a know would this increase premiums? 

Schools naturally buy commercial insurance rather than personal lines and so they have a higher duty of disclosure of relevant facts - with personal insurance an insurer must ask specific questions rather than rely on their customer offering up additional material facts. 

Have never personally worked for an insurer that has a big portfolio of schools like Zurich Municipal or Ecclesiastical so dont know what questions they're asked or materials they're asked to provide. 

Pollycat

steven2022 said:

Sorry for the random question here, but any knowledgeable people on here know if primary schools need to let there insurers know that they allow parents dogs on in school playgrounds for school drop offs/pick ups? 

If they did let insurers a know would this increase premiums? 

Thanks 

Steven

I think the question should be 
Should any school (not just primary schools) allow parents dogs on school playgrounds for school drop offs/pick ups?

And the answer should be 'no'.