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We understand your needs

At ARAG, we understand the challenges modern education providers face. That’s why ARAG Commercial Legal Expenses Insurance cover is included in your Zurich Municipal insurance policy.

Designed especially for the needs of schools, colleges and universities, your ARAG cover provides your organisation with access to support, legal advice and cover against legal costs. This page will help your organisation get the most from your ARAG cover.

 

What your ARAG cover includes and excludes

What is covered
What isn’t covered
  • Employment disputes & compensation awards with current, prospective or ex-employees

  • Legal defence

  • Service occupancy (Recovery of business premises)

  • Tax protection

  • Property protection and bodily injury

  • Debt recovery and contract disputes relating to the purchase, hire, sale or provision of goods & services*

  • Criminal pre-proceedings cover

  • Criminal prosecution defence

  • Civil action taken against employees under data protection legislation

  • Information commissioner registration application appeals

  • Wrongful arrest

  • Statutory notice appeals

  • Attendance expenses for jury service and court attendance

  • School Appeals Committee

  • Pupil Exclusion Appeals

  • Employee Civil Legal Defence
  • Issues that started before you bought the policy

  • Legal costs paid out before your claim is accepted

  • Criminal prosecutions relating to a motor vehicle

  • Civil claims where the likelihood of success, or ‘reasonable prospects of success’ is evaluated as being less than 51% at any time.**

  • Anything specifically excluded (please refer to your policy documentation for a full list of specific exclusions).

    • *Please check your policy wording to see if these additions are included as part of your cover. Please contact your Zurich Risk and Insurance Consultant (RIC).
    **Note that this does not apply to employment disputes. Please refer to your full policy wording and any applicable endorsements for further details.

     

    Legal representation

    We always recommend using a solicitor from one of our panel firms as they are selected for their expertise, service standards and are regularly audited. They are also familiar with our products and working with ARAG.

    Using a panel firm ensures that you will have a solicitor in place quickly, enabling you to gain the maximum benefit from your policy.

    We always recommend using a panel firm for the entire duration of your case. You do, however, have the right to select your own representative once legal proceedings are issued, but your chosen firm must agree to set terms and costs.

    ARAG Law are experienced in working with schools, academies and universities.

     

    If something’s starting to go wrong…

    Please call ARAG with respect to a potential claim before incurring any costs with another solicitor. Any costs incurred before the acceptance of a claim are not covered.

    If you are unsuccessful in defending an employment claim, we may also pay the compensation award.

     


    Services for schools, colleges & universities

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