What goods / services does this include?
Supply teacher insurance
Where should I buy from?
We suggest buying through your local authority if they have a contract in place. If not, follow our tips below.
Make sure you pick a policy that matches both your absence profile and requirements to avoid paying an excessive premium.
There are two key variables that your school can change and these will determine your insurance premium: daily benefit and excess.
Daily benefit is the amount paid to your school for absence. The daily benefit does not cover the cost of supply teachers but is set at a pre-agreed level, e.g. £100, £150, £200. The higher your daily benefit, the higher the premium. Choose the appropriate daily benefit level for your school - if you have a daily benefit of £100 but are paying supply teachers £200 per day then your insurance is only covering 50 per cent of that cost.
Excess is the number of days of absence that must have passed before policy cover starts. A shorter excess will lead to a high premium.
Make sure the types of cover you have are relevant to your school. Some policies offer worldwide and jury service cover. If you don’t need this cover ask the insurers to exclude it.
Set up a method for tracking absence over the year. This will help you build an accurate picture of your school’s absence which you can use during the planning stage to get a more accurate quote from your suppliers and select the right parameters for your policy.