School insurance

steven2022

elsien said:

Is it a local authority school or an academy? 

Local authority 

sheramber

silvercar said:

sheramber said:

We also have no idea what the child did that resulted in a ‘bite’.


I had a friendly Dalmatian who was guilty of giving a paw to the person. 

Due to his size that paw would be a face level of a child.

A girl approached intending to pet him. She did not ask if she could pet him, but I stopped her when she approached and put her hand out. I told her not to  as he could  hurt her. 

She stopped and turned away.

Later, when  I looked away to talk to someone she approached and did pet him and  he  raised his paw , which contacted her face leaving a red mark.

She knew she should have listened to what I said as she did not say anything to me  but returned quietly to her mother who did not mention it either.

I would add they were dog owner,

So you were distracted and not in full control of your dog, having deliberately brought him to a place where there are young children roaming and expect that young children should obey a single warning. Literally an accident waiting to happen, to the extent that you had already needed to give a warning. That warning to that child aside, it could have been another child that approached.

No, young children were not roaming. It was a dog training class where any children had to be accompanied by an adult and was the responsibility of the that adult. 

Children did not approach others ‘ dogs without permission.

Yes, my children are brought up to obey a single warning , even  as a toddler.

This child was nine  or ten years old.

Since the mother did not approach me about me and returned the next week she did not see  an accident waiting to happen.

It isn’t always somebody else’s fault.

Elliott.T123

Steven, I think one of the main points here is why does it make any difference regarding insurance?

If there is insurance do you intend to make a claim? What for, there was no break to the skin, you said so yourself. The child involved wasn't hospitalised there is no financial claim to be made.

As others have said the responsible individual is the owner/handler of the dog. 

I think virtually everyone here agrees that the school should have a zero tolerance policy for dogs on school grounds (exceptions for legal assistance dogs of course). But this school have chosen their own policy, rather than talking about insurance a better idea is to try and get that policy changed.

steven2022

Elliott.T123 said:

Steven, I think one of the main points here is why does it make any difference regarding insurance?

If there is insurance do you intend to make a claim? What for, there was no break to the skin, you said so yourself. The child involved wasn't hospitalised there is no financial claim to be made.

As others have said the responsible individual is the owner/handler of the dog. 

I think virtually everyone here agrees that the school should have a zero tolerance policy for dogs on school grounds (exceptions for legal assistance dogs of course). But this school have chosen their own policy, rather than talking about insurance a better idea is to try and get that policy changed.

Can assure you the family are not trying pursue any insurance compensation claims. They indeed are pushing for ban on parents bringing there dogs (exception of legal assistance dogs and school therapy dogs) the school and chair of governors are pushing for  trialling dog zone. The reason the insurance question was asked of allowing the dogs would increase the schools premium which would be such a waste of money and using school space for the dog zone will also be a waste of school resources. Some new information has come to light that there are 2 dogs on site that belong to staff members and rumour is they are trying to pass them off as school therapy dogs. I don’t think the head wants to enforce a ban as this could mean the staff members won’t also be allowed to have there dogs onsite.  The parents have evidenced that most  of the other local primary schools dont allow dogs either, school/chair of governor don’t seem to be bothered. Hope there some more ideas you knowledgeable people could help the parents to get this ban in place.