{"id":1746,"date":"2018-08-27T17:08:26","date_gmt":"2018-08-27T09:08:26","guid":{"rendered":"https:\/\/www.pacificprime.hk\/blog\/?p=1746"},"modified":"2018-08-27T17:08:26","modified_gmt":"2018-08-27T09:08:26","slug":"pacific-prime-hk-school-insurance-guide-2018-2019","status":"publish","type":"post","link":"https:\/\/www.pacificprime.hk\/blog\/pacific-prime-hk-school-insurance-guide-2018-2019\/","title":{"rendered":"Pacific Prime&#8217;s School Insurance Guide 2018-2019 is now released!"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Pacific Prime\u2019s newly released <\/span><a href=\"https:\/\/www.pacificprime.com\/corporate\/resources\/school-insurance-guide-download\/\" target=\"_blank\" rel=\"noopener\"><i>School Insurance Guide 2018-2019<\/i><\/a>\u00a0leverages our team&#8217;s expertise in the industry to highlight the essential insurance solutions for international and private schools in Hong Kong, and worldwide.<\/p>\n<p><span style=\"font-weight: 400;\">Schools, just like any other business, are exposed to a broad spectrum of risks that may jeopardize their good name, financial stability, and capacity to continue their operations. It lies in the best interest of schools to secure appropriate insurance cover. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Knowing exactly what types of insurance solutions your school needs to secure can be hard, which is why we created our S<i>chool Insurance Guide 2018-2019\u00a0<\/i>t<\/span><span style=\"font-weight: 400;\">o aid schools in better understanding and determining their insurance needs.<\/span><\/p>\n<div class='code-block code-block-4' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.hk\/insurance-plans\/business-insurance\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=Blog_Banner&utm_content=company\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1280\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2022\/12\/WP-Banner-revamp-final-20221207_4.-Business-final.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Company insurance banner\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n\n<h2><span style=\"font-weight: 400;\">What\u2019s inside our <\/span><i><span style=\"font-weight: 400;\">School Insurance Guide 2018-2019?<\/span><\/i><\/h2>\n<p><span style=\"font-weight: 400;\">Pacific Prime\u2019s <\/span><i><span style=\"font-weight: 400;\">School Insurance Guide 2018-2019<\/span><\/i><span style=\"font-weight: 400;\"> provides an extensive overview of the essential types of insurance for private and international schools, including additional options to consider. <\/span><a href=\"https:\/\/www.pacificprime.com\/corporate\/resources\/school-insurance-guide-download\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Get your free copy today<\/span><\/a><span style=\"font-weight: 400;\"> to uncover a wealth of information on: <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">What is school insurance?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">How does one identify a school\u2019s insurance needs?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">What are the essential insurance policies every school needs?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">What additional policies should private and international schools consider?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Comparing quotes between providers<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Four steps for structuring school insurance with the help of an expert broker<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Detailed answers to these questions can be found in our <\/span><b><i>School Insurance Guide 2018-2019<\/i><\/b><span style=\"font-weight: 400;\">. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is school insurance?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">School insurance is a term that describes various types of insurance products designed to protect schools against potential losses and risks. Obtaining adequate insurance to cover the public liabilities arising from accidents and injuries to students, teachers, and other persons is an example of some of the necessary insurance policies recommended for schools.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Essential insurance plans for international and private schools<\/span><\/h3>\n<ul>\n<li><b>Property insurance <\/b><span style=\"font-weight: 400;\">protects the school\u2019s buildings and its contents from losses caused by fire, explosions, storms, floods, theft, accidental damage, vandalism, etc.<\/span><\/li>\n<li><b>Public liability insurance <\/b><span style=\"font-weight: 400;\">protects the school against legal liabilities arising from accidental bodily injury to third parties (other than employees), and damage\/destruction to their property (e.g., visitors\u2019 vehicles).<\/span><\/li>\n<li><b>Business interruption<\/b> <b>insurance<\/b><span style=\"font-weight: 400;\"> covers financial loss caused by unforeseen events that interrupt the day-to-day operations of an organization. This includes not only loss of gross profits, but also things like employees&#8217; salaries.<\/span><\/li>\n<li><b>Worker\u2019s compensation and employer\u2019s liability insurance<\/b><span style=\"font-weight: 400;\"> covers occupational illness\/accidents arising during the course of employment, and the employer\u2019s liability for bodily injury, illness, and death arising at the workplace.<\/span><\/li>\n<li><b>Professional indemnity<\/b> <b>insurance<\/b><span style=\"font-weight: 400;\"> protects the school from the failure of employees to carry out their duties adequately. It also covers breach of confidentiality and other negligent acts, errors, and court defense costs.<\/span><\/li>\n<li><b>Directors \u00a0&amp; Officers\u2019 liability insurance<\/b><span style=\"font-weight: 400;\"> protects directors, officers, trustees, and board members from legal liability costs.<\/span><\/li>\n<li><b>Cyber insurance <\/b><span style=\"font-weight: 400;\">protects businesses against Internet-related risks, such as cyber extortion, forensics, data security liability, etc.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">On top of the above most common insurance policies that international\/private schools usually procure, there is also a wide range of additional policies that schools should consider. Money insurance, machinery breakdown insurance, and crime insurance are &#8211; among other policies &#8211; also recommended.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Learn why securing school insurance through a broker is the best choice <\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As each school has their individual needs and risks, consulting their insurance options with a reputable broker, such as Pacific Prime, is usually a school&#8217;s best option. Pacific Prime, in particular, has experience in dealing with educational institutions insurance and follows a 4-step process to helping schools secure the most optimal solutions:<\/span><\/p>\n<p><strong>Step one &#8211; Initial needs assessment and analysis<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">In this step, you\u2019ll understand and identify your insurance needs via a one-on-one meeting at your facility with us. If required, Pacific Prime will review and analyze your current insurance policies and benchmark them with the industry standards, and our solutions. <\/span><\/p>\n<p><strong>Step two &#8211; Plan consideration <\/strong><\/p>\n<p><span style=\"font-weight: 400;\">After the initial assessment of the school&#8217;s needs, a broker will present you with a few plan choices, which should be transparent and easily comparable to you. \u00a0<\/span><\/p>\n<p><strong>Step three &#8211; Plan review<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Once you&#8217;ve chosen your insurer(s) and plan(s), it\u2019s time for price and benefits negotiation and benchmarking. A broker will review the proposals issued by the insurers and liaise with them in order to meet your school&#8217;s needs and budget.<\/span><b><br \/>\n<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><strong>Step four &#8211; Plan implementation<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Implementing the plan might be the hardest part of the whole process of insuring a school. Your broker will help you with the plan implementation and devise a communication strategy to all of your school&#8217;s stakeholders, such as employee and management orientation, and Q&amp;A sessions. \u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Learn more by downloading our <\/span><i><span style=\"font-weight: 400;\">School Insurance Guide 2018-2019 <\/span><\/i><\/h2>\n<p><span style=\"font-weight: 400;\">As a leading international school insurance broker, our team of specialists at Pacific Prime have created this informative guide to aid international and private schools in the complicated and lengthy process of securing school insurance solutions. <\/span><a href=\"https:\/\/www.pacificprime.com\/corporate\/resources\/school-insurance-guide-download\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Download<\/span><\/a><span style=\"font-weight: 400;\"> our complimentary guide today, and when you are ready to have a chat with our advisors, <\/span><a href=\"https:\/\/www.pacificprime.hk\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">contact us<\/span><\/a><span style=\"font-weight: 400;\">, and we\u2019ll be there to help you obtain the most suitable plans for your international\/private school.<\/span><\/p>\n<div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/corporate\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=Blog_Banner&utm_content=corporate\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1278\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2019\/06\/HK-BANNER-Business.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Corporate insurance banner\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Pacific Prime\u2019s newly released School Insurance Guide 2018-2019\u00a0leverages our team&#8217;s expertise in the industry to highlight the essential insurance solutions for international and private schools in Hong Kong, and worldwide. Schools, just like any other business, are exposed to a broad spectrum of risks that may jeopardize their good name, financial stability, and capacity to &#8230;<\/p>\n","protected":false},"author":14,"featured_media":1748,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Essential and recommended insurance plans for international and private schools described in recently released Pacific Prime's School Insurance Guide. 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