Professional indemnity and liability insurance for education providers
Specialist insurance solutions for schools, colleges, training providers and education organisations across Australia.
Key risks
Education providers face complex and evolving risks
Student injury and supervision failures
Education providers may face claims arising from playground incidents, sporting injuries, excursions, camps, inadequate supervision or failure to enforce safety procedures.
Molestation and misconduct allegations
Institutions face serious exposure from historical and current abuse allegations, including claims involving staff, contractors or volunteers, often resulting in regulatory investigations and civil proceedings.
Duty of care and negligence claims
Claims may arise alleging failure to provide appropriate supervision, learning support, behavioural management or student wellbeing protections.
Excursions, camps and off-site activities
School camps, sporting events, international trips and excursions significantly increase liability exposure and must be properly disclosed to insurers.
What’s Included in The Cover
Education providers operate in complex environments involving students, staff, parents and regulators.
Professional Indemnity
Covers claims arising from alleged negligence, errors or omissions in the performance of pastoral, counselling, welfare or administrative services, including defence and investigation costs.
Errors & Omissions
Covers financial loss claims arising from administrative error, misstatement, breach of duty, defamation or privacy breaches in connection with the organisation’s operations.
Public Liability
Covers bodily injury and property damage claims arising from premises, services, events, volunteer activities and community programs conducted by the insured.
Products Liability
Covers injury or property damage arising from products supplied or distributed in the course of the insured’s activities.
Pricing
How insurance pricing works for education providers
Insurance pricing for education institutions is assessed individually, based on your operations, risk profile and the services you provide.
Type & size of institution
Pricing considers whether you operate a school, college, RTO or university, including student numbers, campuses, staffing structure and facilities.
Level of cover
Premiums vary based on limits of indemnity and selected extensions such as abuse liability, excursions, cyber protection or management liability.
Risk profile & history
Claims history, safeguarding frameworks, staff screening processes and student risk exposure all influence pricing.
Excess / deductible
Selecting a higher excess can help manage premium costs while maintaining appropriate protection.
Are you an insurance broker?
Explore how we partner with insurance brokers to deliver competitive and comprehensive indemnity solutions for healthcare professionals and organisations.
Why Tego
Your practice, understood. Your risks, covered. Your team, on call 24/7
Personalised medical indemnity and malpractice insurance for specialists and healthcare organisations, with 24/7 medico-legal support. Award-winning protection so you can keep practising with confidence.
Fast 24/7 Medico-Legal support
When something goes wrong or feels uncertain, speak with our experienced medico-legal advisers. Practical and empathetic support through complaints, AHPRA matters, investigations and civil claims - day or night.
Competitive & Personalised Pricing
Premiums that reflect your specialty, procedures, billings and practice setting, so you pay only for the risks you carry. Competitive rates with fast, straightforward quotes and renewals.
Comprehensive Cover, Designed by Industry Experts
Broad protection shaped by experienced insurance and medico-legal teams. Informed by real claims insight, it keeps pace with modern practice and your evolving risks—so it fits the way you practise.
Trusted by Thousands customers
Chosen by more than 30,000 healthcare professionals nationwide, with award-winning product, claims and client service, and over a decade of consistent support. A partner that understands healthcare and stands beside you when it matters.
Medical Indemnity Support & Claims
Immediate support for claims, complaints and medico-legal matters
Claims & Notifications
Unsure whether an incident needs to be notified? Contact us early. Our experienced claims team will assess the matter, guide you on next steps, and manage the process from first notification through to resolution.
24/7 Medico-Legal Advisory
Access 24/7 medico-legal advice from experienced advisers. Get practical guidance on AHPRA notifications, patient complaints, adverse events, documentation issues and complex clinical situations — day or night.
Contact Us
Contact our team online or by phone for assistance with your policy, claims, cover or general enquiries. We’ll respond promptly.