Language school insurance

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:

Public liability

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.

Employers’ liability

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.

Business interruption

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.

Professional indemnity

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.

Legal expenses

Access to legal assistance including employment disputes, contract disputes and tax protection. A legal helpline is also included to provide expert support and advice.

Cyber liability

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.

Business travel

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.

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.

Find out more about international student travel insurance for education providers here.

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.

Missed departure

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.

Professional counselling

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.