Larry Stokes Underwriting Manager, Zurich Municipal

1
Larry StokesUnderwriting Manager, Zurich
Municipal

• Chair Schools Working Group,
• Arson Prevention Bureau

2
Academies
ALARM SE London 6 June 2007
3
Academies

• Introduction
• Blairs big idea
• Opposition from - Politicians
• - Unions
• - Press
• - Customers ?

4
Academies

• 80 built / refurbished / renamed by September
  2007
• 200 by 2010
• Now part of BSF programme

5
Insurance Issues
6
Insurance Issues

• Challenging environment
• Failing schools
• Budget pressures on build / facilities
• Size

7
Costs of Loss / Damage in Schools
National Costs - Fire Losses
1996 - 2006
8
A Different Perspective ..
90,000 schoolchildren have education
disrupted 80,000 families affected 320,000 people
involved PLUS Resources diverted Education
disrupted
9
Case Study West London Academy
10
Case Study West London Academy
11
Case Study West London Academy
12
Case Study West London Academy
13
Case Study West London Academy
14
Case Study West London Academy
15
Case Study West London Academy
16
Case Study West London Academy
17
Case Study West London Academy
18
Case Study West London Academy
19
Sedum Roof
20
Case Study
21
Case Study
22
(No Transcript)
23
(No Transcript)
24
(No Transcript)
25
(No Transcript)
26
(No Transcript)
27
(No Transcript)
28
(No Transcript)
29
(No Transcript)
30
(No Transcript)
31
(No Transcript)
32
(No Transcript)
33
(No Transcript)
34
(No Transcript)
35
(No Transcript)
36
(No Transcript)
37
(No Transcript)
38

• Natural ventilation Security Issues
• External fire issues plus MD
• Sprinklers weight of pipes if lightweight
  construction
• Sustainability would this last?

39
What Can Sprinklers Offer ?

• Detect a fire
• Extinguish or control the fire
• Raise the alarm

40
Pricing Challenges
High Risk High EML Unknown risk
management Limited risk appetite
41
Pricing Challenges (Continued)
DfES paying premiums (for now) No sprinkler
agenda Modern methods of construction Sustainabili
ty agenda
42
Claims - Higher EducationSouthampton University
2005 80m - 100m
43
BSF
Englands 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
44
The Future
Pupil numbers down 400 Academies
planned Federations - showing good practice LEA
role changing
45
The Future
Continue individual cover Buy-in to LEA
schemes Government indemnity Part of Local
Education Partnership