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Covering absent teachers and support staff can be financially costly, particularly for schools who need to engage supply teachers or who choose to directly hire staff to cover absences. Staff absences also have a detrimental impact on productivity and can be unsettling for the students, as well as putting increased pressure and workloads on existing members of staff.

Despite the obvious difficulties that staff absences can cause schools, they are very common, with approximately 57% of teachers taking a sickness absence each year. They are also unpredictable which makes them particularly hard to budget for.

A staff absence insurance policy will pay your school a fixed amount (chosen by you) in the unfortunate event that a member of staff is absent from work. This will allow your school to cover the costs incurred by the absence, whether that is paying to employ full-time cover staff or engaging external supply teachers.

By and large you will be covered for unplanned absence days due to sickness or bodily injury. These are some of the most common and frequent absence causes within schools. You will also be covered for non-sickness absence days such as bereavement, jury service, adoption and paternity leave. There are additional cover options for absence caused by pre-existing conditions, stress or mental health issues and maternity. You can see a full breakdown of the absence types we protect you against here.

We give you the option to include cover for your non-teaching staff such as administrators, support workers and caretakers. You can also select a different daily benefit and waiting day period from that of your teaching staff categories. The daily benefit payable for part-time staff is proportionate to their hours worked.

We are proud to be one of the longest-standing providers in the market. This longevity has given us the expertise and knowledge of what school’s want from their insurance provider, and how we can best deliver that. As a result, we have a nationwide portfolio of schools who benefit from our relevant, trustworthy and financially secure insurance policy.

Depending on the circumstances and preferences of your school, we offer the choice of three different policy types – continuous, annual or multi-year.

The difference between an annual and continuous policy is mostly relevant when it comes to renewal. Our continuous policy will carry over your ongoing claims from one year to another, also recording your exact claims history. Our annual policy resets everything and effectively starts again with any pre-existing conditions being taken from the ‘renewal date’. Any ongoing claims will not be paid from the renewal date or will be added at an extra cost to your new premium. We now also offer the option of a multi-year policy. This provides continuity and removes the anxiety of renewing your policy for up to 24 or 36 months.

In short, yes. We are also available to offer discounts for MAT’s and cluster groups – please do contact us to find out what discounts are applicable to your group.

As a result of heavy workloads and stringent budgets, schools can often feel like demanding and pressurised working environments. As a result, 16% of all staff absence days in schools are caused by stress. Therefore, we provide your school with the option to add 30 or 190 Days of Stress Cover for every insured member of staff.

It is common for members of staff to suffer from pre-existing conditions such as stress or back pain. Adding cover for pre-existing conditions means you can still claim when a member of staff is absent if such a condition reoccurs throughout the duration of your policy. We consider a pre-existing condition an absence whereby a member of staff has suffered from the same problem, resulting in more than five days’ absence, in the 12 months prior to the start of your policy.

All our schools will benefit from access to a range of industry leading occupational health and wellbeing services, included at no additional cost to their policy. These healthcare services are designed to prevent many absences, ensure a fast and professional response is offered to absentees and support your workforce through and difficulties they are experiencing.

Getting a quote is simple and will only take a couple of minutes of your time. Visit our online quoting system here, tell us your required basis of cover and we’ll provide you with an instant price to get covered. If you’d prefer to speak with someone, simply give us a call on 0800 862 0960 and we will be happy to assist you.

We’ve designed it so arranging cover could not be simpler. Once you’ve received your quote you can either accept the terms and conditions and click ‘put me on cover’ or give us a call and let us take care of the rest.

We operate an online claims system which makes claiming quick and easy. All claims can be logged via the client area of our website, and you will only be asked to provide some basic information regarding the insured’s working hours, absence type and absence details. No need for a constant back and forth via email, telephone or post. In a few quick clicks and a fraction of the time, you can have everything submitted and ready for us to process.

If you feel you have cause for complaint this should be addressed to:

The Compliance Officer
Harrington Bates
8 Brunel Court, Northwich, Cheshire, CW9 7LP
Telephone: 01565 760019
Facsimile: 01565 621169
compliance@harringtonbates.com

We will investigate your concerns and provide you with a written response setting out the outcome and reason.

If we cannot resolve the complaint to your satisfaction, you may, if eligible, refer it to the Financial Ombudsman Service (FOS). Normally to be eligible you must be an individual consumer or a micro-enterprise or a charity or trustee of a trust under a certain size. However, you can find the full FOS eligibility criteria on their website. The FOS can be contacted at:

Financial Ombudsman Service
Exchange Tower
Harbour Exchange Square,
London,
E14 9SR
Telephone: 0800 0234 567 or 0300 123 9 123
Facsimile: 020 7964 1001
Email: complaint.info@financial-ombudsman.org.uk
www.financial-ombudsman.org.uk

Simply tell us your required basis of cover and we'll provide you with an instant price