Education
An educational centre is responsible for its pupils inside and outside the classroom, and the insurance market underwrites that risk on the basis of a single question: how supervision is organised. Our education specialists know what documentation each insurer values, which activities fall within the insured perimeter and what sums insured the collective agreement sets, and they translate the real organisation of your centre into a programme that accompanies it.
Lo que nos preguntan en education
Does our policy cover excursions and end-of-year trips?
Article 1903 of the Civil Code places the responsibility for school, extracurricular, and complementary activities on the policyholder, as long as the students are under the control or supervision of the teaching staff, meaning the centre is equally liable outside the premises. The policy extends as far as the insured activity and the agreed territorial scope, and both must name outings, exchanges, and transport contracted to a third party. Additionally, the mandatory passenger insurance operates on the coach, compensating injured students regardless of who is responsible and without replacing the civil liability of the centre or the carrier.
What does the School Insurance cover and what do we still need to contract?
The School Insurance of the Social Security covers students under twenty-eight years old from the third year of ESO, with benefits assessed for school accidents, illness, and family misfortune. The stages of nursery, primary, and the first two years of ESO are outside its scope, and it never covers the civil liability of the centre towards families. Therefore, the centre's programme separately contracts student accident insurance and the policyholder's civil liability, and reviews their sums insured separately.
One of our students causes damage during their internship at a company. Who is liable?
The Civil Code places responsibility on the policyholder of the centre while the students remain under the control of their teaching staff, and the collaboration agreement distributes the rest between the parties. In practice, the claim reaches both at the same time and is resolved by reading which policy names the training in work centres. Checking this at the time of signing the agreement is what avoids that discussion.
