Staff Absence Insurance

We are the longest standing provider of staff absence insurance to schools and academies, providing cover for teachers and support staff

Our policy is a full package including cover for sickness, accident, jury service, maternity benefit and disciplinary suspension; designed to meet your needs.

0330 123 5918
0330 123 5918 Weekdays 8.30am – 5.30pm
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Features

Staff absence insurance features

Our policies can be tailored to cover all types of institution including:

  • Primary

  • Secondary

  • College

  • Academies

  • Nurseries

Even if you usually self-insure, we can offer you a 'Stop Loss' policy which acts as a safety net should you be hit with unprecedented absence.

Staff absence or sickness insurance

  • Our flexible policies allow you to choose the level of cover and which staff to insure, plus you can choose between annual or renewable cover

  • Self-manage your chosen level of sickness cost before insurance kicks in. An aggregate excess or stop loss level is set for absence costs which is self-managed by you before your insurance policy is applied.

Exclusions

Staff absence insurance exclusions

  • Any claim within three weeks of the start of the policy

  • Medical conditions causing the member of staff to be absent from work for more than 10 consecutive academic working days in the one year prior to the start of the policy

  • Medical expenses arsing from:

    • Suicide or intentional self-injury

    • Some hazardous pursuits (please contact us for details)

    • Routine medical from pregnancy or childbirth

    • Non prescribed drugs

    • Travel against medical advice

    • Flying other than as a passenger

These are just some of the key exclusions/limitations, full details will be found in policy wordings.

FAQs

Staff absence insurance FAQs

Why do I need staff absence insurance?

When a member of your staff is unable to work, there can be unforeseen financial and physical stress for those left to pick up the shortfall or arrange their replacement. Having insurance in place can help alleviate this burden by providing recompense for the cost of hiring a temporary supply teacher for the period of their absence.

If my member of staff has a pre-existing medical condition, will you cover it?

We only exclude medical conditions that have caused those covered to be off work for more than 10 consecutive academic working days in the 12 months prior to the start of the policy.

If my member of staff is absent with stress or depression, will they have to be assessed by someone appointed by you to be validated before making a claim?

At Towergate we treat stress, anxiety and depression claims exactly the same as any other medical condition.

Claims

Staff absence insurance claims promise

We pride ourselves on our personable, professional service and our in-house claims team means we can offer a quick, efficient service. We have delegated authority from the insurance providers which means we can process and pay for claims on their behalf, making your experience hassle free.

Our highly experienced team of dedicated advisors will support you throughout and you deal with the same person from start to finish.

  • We will respond to all claims within 24 hours of your initial contact

  • We will settle on your claim in five working days, with most short-term claims being handled in three

0330 123 5918
0330 123 5918 Weekdays 8.30am – 5.30pm
Get a quote Request a callback

Request a callback

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