Language school insurance
Preferred insurance partner for English UK and BETA
Specialist advice and dedicated support for a wide range of educational organisations across the UK, including summer, short-term or established language schools.
Partnered with English UK
Partnered with BETA
Commercial insurance solutions for the language school sector
We're specialists in tailoring commercial insurance risks for language schools and protecting international students, this is why we are the preferred insurance provider for English UK and BETA. Our long-established specialist education insurance team covers a wide range of education sectors. These include specialist private English language schools, state schools, independent education, boarding schools, further education and universities. So we have the knowledge and hands-on experience to help make sure your establishment stays protected at every step.
Access to products
We offer language schools a comprehensive range of covers. These can include public, employers’ and cyber liability, buildings and contents, business interruption, directors’ and officers’ liability, professional indemnity, legal expenses and business travel (employee travel packages). We cater for both full time establishments and summer schools.
Expert consultation and advice
We want to build a long-term partnership you can rely on. That’s why we’ll provide a dedicated account manager who will work with you to build an insurance solution that meets the specific needs of your school.
Dedicated claims management
We work with some of the UK’s leading insurers to make sure the process with us - from quote to claim - is as smooth as possible. Our team of specialists will take the time to support you through the claims process and get your claim resolved.
Expert support in risk management
Following the impact of Covid-19 and the challenges the UK English Language Teaching sector has faced, we have developed a new scheme with a leading insurer within the education sector. The scheme has been designed to offer tailored insurance to cover the portfolio of language school risks at competitive premiums and where expert support in risk management will be provided.
International travel insurance for students
As well as your organisation’s commercial risks, we also cater for your students. You can include international travel insurance in your offering via two methods. Either include the cover in your overall study abroad package, or offer it as an optional extra for students to select.
What is language school insurance?
Language school insurance is specialist cover that protects against the many commercial risks attached to running a language school. We know that these risks will vary depending on the size of your organisation and extent of your activities.
That’s why our dedicated team of specialists will work with you to understand these requirements and put forward the right insurance solution for you, giving expert advice along the way. Find out more about what’s covered in our FAQs below.
We also have an established offering which can provide international travel insurance for your students. The cover protects hundreds of thousands of overseas students each year through over 100 different education providers across the UK.
Language school insurance: FAQs
Due to our current global challenges, there will be a much greater need for bespoke travel insurance for international students. And also for education providers to have the security of working directly with an insurance provider who understands their concerns.
What does language school insurance cover?
We currently protect hundreds of thousands of overseas students each year. This is through over 100 different education providers across the UK as their students come to study in the UK and learn English. We understand that international students have unique needs, and that parents naturally want reassurance that their children will be properly protected throughout their stay in the UK.
In addition to covers that you may be legally required to have in place (such as employers’ liability insurance), you should consider staple covers such as public liability, buildings and/or contents, professional indemnity and business interruption. Cyber is also a field of insurance that’s gradually moving from a “nice-to-have” to a “must-have”, with businesses facing a heightened risk of data breaches in recent years. Read more about these below.
With Endsleigh, cover can include:
Insures your institution's legal liability to pay damages from claims by third parties. This includes visitors and students, for death, bodily injury or damage to property. It also covers the costs of compensation to anyone who is injured by any products supplied by the institution.
Provides indemnity in respect of your institution's legal liability to pay damages for death, illness, injury or disease of any employees, governors, trustees or work experience trainees arising out of their employment with you.
Buildings and contents
Cover for your assets such as buildings, contents, fixtures/fittings, tenant improvements, stock and any other equipment which is essential for your organisation to run. Cover can include fire, flood, theft, accidental damage, malicious damage and a number of other perils as well as insurance for portable items used outside the place of business.
Provides cover for your institution if you are unable to continue operating as a result of an insured peril i.e. fire or a storm. This insurance covers the loss of income or additional costs incurred following physical damage to your property.
Protects you against claims made in respect of your legal liability for losses arising from a breach of professional duty.
Management liability - (also known as directors and officers’ liability and trustees’ indemnity depending on your type of organisation).
Protects the personal liability of individuals in positions of authority if a claim is made against them. This can include committing a wrongful act, including breach of trust/duty and breach of health and safety.
Access to legal assistance including employment disputes, contract disputes and tax protection. A legal helpline is also included to provide expert support and advice.
Designed to support you and protect you in the event of data breach or if you are the subject of an attack by a malicious hacker that affects your computer systems. Cover can also be extended to include monetary theft as a result of hacking.
Cover for you and your staff on business trips, including emergency medical expenses, repatriation, cancellation, delay, personal liability and loss of money. Includes a 24-hour emergency helpline.
How can students benefit from language school insurance?
As part of your organisation’s insurance package, we can also provide international student travel insurance, which offers parents peace of mind that their children are protected from the moment they apply to study at your institution, through their journey to the UK, and until they return home.
This not only helps ensure you’re fulfilling your duty of care to your students, but it could also make your establishment’s offering more inviting to prospective parents and agents as it offers an extension to the level of care you provide.
Cover can either be included in your overall study abroad package, or offered as an optional extra. Either way, our specialist travel team will work with you to make sure you have the right solution in place that benefits both your students and your business.
We currently protect hundreds of thousands of overseas students each year through over 100 different education providers across the UK. So we understand that students have unique needs, particularly when there’s international travel involved.
Whether it’s protecting irrecoverable pre-paid costs if a student has to cancel or cut a trip short, or if a student falls ill during their trip to the UK, we can offer flexible cover options tailored to your requirements - with the opportunity to earn additional revenue on individual products as a regulated partner. Not only that, but with the recent COVID-19 challenges we are continuously adapting our policies to make sure we’re providing students with the cover they need through the uncertain times.
We’ll work with you to make sure you have the right cover in place for your students and their activities, including:
Cancellation or curtailment
Cover for irrecoverable unused costs that the student has to pay if the trip is cancelled or cut short as a result of an unforeseen event (such as an illness or injury).
Course fee cover
Financial protection for irrecoverable prepaid course or tuition fees if the student is unable to continue their studies due to an unforeseen event.
Medical emergency and other expenses
Should a student get injured or fall ill on a trip, we’ll cover the costs for any medical treatment, hospital and ambulance fees, as well as cover for emergency dental treatment. You can also extend cover to include private medical costs.
Medical repatriation costs
Cost for transport and accommodation expenses for close relatives to travel to the student in the UK, including reasonable additional costs for funeral expenses or returning their body to their home country following a death.
Baggage and personal possessions
Cover for students’ personal belongings if they’re accidentally lost, damaged or stolen while they’re studying in the UK.
Personal money, passport and documents
Accidental loss, theft of or damage to personal money and important travelling documentation such as a passport or visa. This includes reasonable additional travel and accommodation expenses incurred whilst abroad to obtain a replacement.
The cost of additional transport and accommodation costs if the student has missed their public transport from or to their home country as a result of an insured event.
We understand that student safeguarding and wellbeing is paramount. That’s why we include cover for professional counselling costs if a student suffers any stress, anxiety, depression, or any other mental or nervous disorder.
We greatly value our partnership with Endsleigh Insurance, which has delivered financial assistance, security and peace of mind for 50,000 English language students studying with English UK member schools over the years, and we look forward to many years of continued support in future.
British Educational Travel Association (BETA)
Endsleigh Insurance play a key role within BETA's growing network of youth, student and educational travel specialist members. Providing fit for purpose policies and expertise to support and service this important demographic.
Cambridge Education Group
Endsleigh Insurance Services have been our student insurance partner since 2016 and we can highly recommend them for their expertise and professional approach. The Endsleigh team worked closely with us to truly understand the needs of our international students and created bespoke insurance products to fit our requirements.