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Larry StokesUnderwriting Manager, Zurich Municipal
Chair Schools Working Group,
Arson Prevention Bureau
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Academies
ALARM SE
London 6 June 2007
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Academies
Introduction
Blair’s big idea
Opposition from - Politicians
- Unions
- Press
- Customers ?
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Academies
80 built / refurbished / renamed by September 2007
200 by 2010
Now part of BSF programme
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Insurance Issues
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Insurance Issues
• Challenging environment
• Failing schools
• Budget pressures on build / facilities
• Size
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Costs of Loss / Damage in Schools
National Costs - Fire Losses
1996 - 2006
0
20,000,00040,000,000
60,000,000
80,000,000100,000,000
120,000,000
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006
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90,000 schoolchildren have education disrupted
80,000 families affected
320,000 people involved
PLUS
Resources diverted
Education disrupted
A Different Perspective …..
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Case Study – West London Academy
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Case Study – West London Academy
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Case Study – West London Academy
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Case Study – West London Academy
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Case Study – West London Academy
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Case Study – West London Academy
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Case Study – West London Academy
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Case Study – West London Academy
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Case Study – West London Academy
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Case Study – West London Academy
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Sedum Roof
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Case Study
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Case Study
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Natural ventilation – Security Issues
External fire issues plus MD
Sprinklers – weight of pipes if
lightweight construction
Sustainability – would this last?
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Detect a fire
Extinguish or control the fire
Raise the alarm
What Can Sprinklers Offer ?
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Pricing Challenges
High Risk
High EML
Unknown risk management
Limited risk appetite
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Pricing Challenges (Continued)
DfES paying premiums (for now)
No sprinkler agenda
Modern methods of construction
Sustainability agenda
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Claims - Higher EducationSouthampton University – 2005 £80m - £100m
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BSF
England’s Secondary Schools - £2.5Bn spend p.a. planned
3500 Secondaries
50% rebuild, 35% refurb, 15% remodelled
‘High quality, sustainable design’
48 LEAs in waves 1-4 (out of 150)
22 LEAs in waves 5-6
8 deals between LEA and LEP
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The Future
Pupil numbers down
400 Academies planned
Federations - showing good practice
LEA role changing
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The Future
Continue individual cover
Buy-in to LEA schemes
Government indemnity
Part of Local Education Partnership