The work-related learning guide 41
7. The Association of British Insurers (ABI), the
British Insurance Brokers Association (BIBA),
and Lloyd's of London have agreed that, as
a matter of convention, students of work
experience placements should be treated
as employees for the purposes of insurance
against bodily injury (that is, they will always
be covered by the Employers' Liability policy).
8. Student injury arising from other visits would
normally be covered by the employer's
Public Liability policy. Any injuries caused to
employees by students on work experience
should normally be covered by the Employers'
9. In summary, any injuries caused to employees
or students, provided they arise out of activities
undertaken in the employer's name, should
normally be covered by the employer's Public
Liability policy or Employer's Liability policy.
10. Damage to the employer's property may be
covered by the employer's material damage
policy. Damage to anyone else's property on
the premises should normally be covered by
the employer's Public Liability policy.
Notifi cation of Risk
11. Employers should notify their insurers of the
sorts of activities which students will undertake
if those activities are onerous or different from
the normal business activities of the employer.
In these circumstances employers should make
sure they obtain written confirmation that the
risk has been accepted.
For more information about insurance see:
Work Experience: A guide for secondary
Work Related Learning and the Law
Work Experience and the Law: the essential
guide for central organisers, employers,
schools and colleges (Anthony Johns with