Low insurance limits of Czech schools
In the past school year, the number of school accidents increased by six percent, reaching over 45 thousand cases. The highest number of incidents was recorded in the Vysočina Region, where the number of accidents was three times higher than in Prague, which had the fewest.
Low insurance limits for Czech schools
Primary schools were the site of the highest number of accidents, with over 28 thousand children injured, primarily during physical education or breaks. In addition to common hand injuries, more serious accidents also occur, for which school liability insurance is often insufficient.
The family of a girl from Central Bohemia has personal experience with inadequate insurance. The girl was hit by a car while a school group was returning from a trip. She suffered severe injuries and was left paralyzed in a wheelchair. Her care costs hundreds of thousands of crowns annually, while the family receives only a tiny fraction of these costs. The family is now seeking 21.5 million crowns in damages from the school and the insurance company in civil court. However, the school was insured for 10 million crowns, which must cover all damages, according to the family's legal representative. The girl's medical rescue alone cost over three million crowns.
The Chairman of the Association of Primary School Principals stated that there are no binding regulations regarding the amount of school insurance. “It's an individual matter, without uniform rules,” he added. The Ministry of Education confirms that schools can, but are not required to, be insured.
The scope of insurance is individual, and limits can range from millions to tens of millions of crowns. However, the realistic liability insurance limit for a school should be up to 50 million crowns. Unfortunately, however, there are still outdated contracts with lower limits. Update your contracts. Get advice from specialists on what limit amounts to set for individual insurance policies. Setting the right limits will protect you from unexpected events.
Eurovalley, because life comes with risks!
Author
Let's talk about protecting your business and organizations.
Effective insurance starts with understanding risks. We help clients identify, assess, and manage risks so that their insurance strategy aligns with their real-world operations and long-term vision. Our insurance consulting connects detailed analysis with executive-level decision-making processes.
