School protection insurance

CEFM has purchased a school protection insurance cover which indemnifies CEFM and our members for legal costs, expenses and compensation awards. This also includes the cost of appeals.

It provides a range of cover including:

  • Employment disputes (including TUPE) & compensation awards
  • Tax investigations and VAT disputes
  • Contract debt and recovery
  • Pupil admission and exclusion appeals
  • Crisis communication
  • Counselling assistance helpline


Assisting CEFM member schools

Subject to your school following the guidelines set out by CEFM, our provider will be able to provide the following cover:

Employment disputes (including TUPE) & compensation awards

If you have a dispute with an employee it can be stressful, time-consuming and very costly to both your finances and reputation. Our policy will pay the legal costs of defending your school in a range of employment disputes. It will also pay tribunal fees and compensation awarded against you provided that there is a reasonable prospect of your defence being successful.

Tax investigations & VAT disputes

No school welcomes an unexpected visit from the taxman and any investigation by HMRC is likely to be lengthy and expensive. Our tax advisors and accountants will represent your school if a dispute arises following a compliance check by HMRC. They will also deal with HMRC if there is a full or aspect enquiry into your business, as well as a range of appeals.

Contract & debt recovery

Providing support for a breach or alleged breach of an agreement which has been entered into by you to buy, sell, hire or lease goods or services or to rent your business premises.

Pupil admission & exclusion appeals

Providing the school with representation at independent appeals panels for either admissions or exclusions.

Crisis communication

In an increasingly media orientated world, adverse publicity can have a devastating financial impact on your school. Our policy will pay up to £10,000 in professional fees to provide expert advice to help you manage communication effectively in times of crisis. This can include drafting a media statement as well as preparing suitable communications for your staff, parents or suppliers.

Counselling assistance helpline

For an employee needing a confidential help and advice, qualified counsellors are available to provide telephone support on any matter that is causing your employee upset.