Staff Absence Insurance

Staff absence can have a huge impact on the running of your school, that’s where we come in.

  • Staff absence insurance covers you for higher costs of working should a member of school staff be absent
  • Market-leading health and wellbeing service, ‘Health Assist’* included with every policy
  • Now underwritten by A rated insurer – Ageas UK

Request a staff absence insurance quote online

Get a quote

Give us a call to speak with an expert

0330 123 5918
0330 123 5918

Weekdays 8.30am – 5.30pm
Can’t get through right now? Request a callback

Feefo logo



Do you want to know more? Read on for our staff absence insurance features:

About us

Towergate are the longest standing provider of staff absence insurance in the UK, protecting hundreds of schools since starting in 1991. We are delighted that from 2017, we are now proudly partnered with A-rated insurer Ageas to bring you a flexible policy exclusive to Towergate. View the list of absences we can provide cover for.

Who we cover

We are able to insure federations and trusts individually or on a group basis regardless of whether you pay out for substitute teachers or over-time for staff cover – simply speak to one of our team for a tailored quote and we’ll base it around how you’re structured. Should you need an in-depth requirement review, we are happy to come and visit you face to face to understand more about your specific requirements.

Towergate Health Assist*

Every single policy comes with a market-leading health and wellbeing service which includes up to 8 sessions of face to face counselling per person, every year – this is more than any other provider in the market. We also include a 1 day stress intervention service, 24/7 telephone counselling for your staff, an online health portal, and a GP call back and medical advice service.

Stress in the education sector

Our research of 1,000 teachers nationwide found that almost three quarters believe it is more stressful to be a teacher today than it was when they first started. As covered by the Times, it’s been shown that over a quarter of a million school days were lost due to teacher stress over 2015/16. While this is clearly not sustainable it does highlight the importance of staff absence insurance in the modern world.

Our staff absence policy can cover you for:  
Suspension cover
Jury service
Pregnancy related illness
Chronic conditions
Health Assist
Personal accident cover up to £10k
Medical expenses benefit
Re-occurring absences (continuous policy)
Stress Optional
Maternity cover Optional

Staff Absence Insurance Claims

Unlike most insurance brokers, our in-house claims team have authority to pay claims up to £25,000 on behalf of your insurer. This means that from quote, to renewal, to claims, or even if you should have any questions about your claim, you always have one port of call.

If you need to make a claim, give us a call and we’ll advise you through the process. All we need are the details of your claim and your policy reference number to start the ball rolling. You should notify us as soon as you know a claim is likely, once you know that a member of your staff is going to be absent for a period of time.

Need to make a claim?

Give us a call and we’ll help settle your claim

01438 739731

Simply email us on or call one of our advisors Monday – Friday, between 9am and 5pm.

Staff Absence Insurance Articles & Guides

Read more of our guides, articles and infographics on staff absence insurance and the wider care industry.

Lady In Wheel Chair With Carer


How often should risk assessments be carried out? | Towergate

Risk assessments are vital in any industry, they help minimise injuries and subsequent liability insurance claims. How often risk assessments are carried out can be vital in ensuring you are compliant. In the care industry however, there are extra factors to consider which make risk assessments even more important, particularly fire safety assessments.

Staff Absence Insurance FAQs

What is staff absence insurance?

Staff absence insurance, also known as, school staff insurance, covers you against the increased cost of working as a result of a staff absence. A claim can cover you for the costs of things like calling in a substitute teacher and sickness pay.

Do I need staff absence insurance?

For a busy school, academy or college, staff absence insurance provides protection against costs should you be left with an absence in your work force, be that one staff member, or your entire faculty. This level of protection is very important in a high paced environment, where you are striving to meet your duty of care to your students.

We can manage staff absence internally to a point, is there a policy that’s suitable for me?

With our policy, you can choose the excess/deferment period that best suits your situation. So if you could cope with staff absence for 2 weeks without too much issue, you can choose a 10 day excess/deferment period. That way the first 10 days won’t be claimable, but alternatively, if you could only manage for a few days, you could choose a 3 day option. The higher your excess/deferment period is, the cheaper your premium will be – so we would always advise you to think about how insurance can sit alongside the school’s contingency plans.

My school have had absences in the past, will we be penalised if need to be off again?

At Towergate, unlike many other providers, our policy does not exclude individuals with known chronic conditions. We only exclude medical conditions that have caused 10 or more consecutive days absence from insured staff, in the 12 months prior to cover inception. Furthermore, this exclusion is dropped after the first year.

I’m part of a multi-academy trust, is there anything you can do for me or the trust as a whole?

Depending on how you manage staff absence across your multi-academy trust, we will be able to find a solution for you. If each academy within the trust arranges their own insurance, we can talk to you about how to ensure the policy you get meets your exact requirements, both from an excess and benefit amount perspective; and also who you want to cover within your academy. Alternatively, if you choose to manage absence across your trust, that is absolutely no problem. We can come and speak to you face to face, talking to as many people as we need to put your minds at ease and help you to get the solution you need that works for the trust as a whole and every academy within it.

Request a callback

Full name   Contact number     Email address     Please note: This service operates only during office hours.

Thank you for subscribing to our newsletter

Newsletter Terms and Conditions

By signing up to Towergate’s newsletter you are agreeing to receive quarterly email communications containing a range of news, top-tips, competitions and occasional offers for insurance products and/or services. Our newsletters are designed to keep you up to date with what we’re involved in, as well as other advice and content that we think you might find interesting.

Should you wish to unsubscribe please click here, or email with your details so we can carry out your request.