Staff Absence Insurance

Staff absence can have a huge impact on the running of your school, and we can provide tailored staff absence insurance.

  • Find the right policy for your school and budget with School Safe or our new policy, School Assist
  • Option to include maternity, paternity and adoption leave cover
  • Supporting schools for over 25 years

Call us on 0800 783 3500 or get a quote online

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Why choose staff absence insurance with Towergate?


Offering one of the widest staff absence insurance covers on the market

We can cover you for protection of pre-existing illnesses, long COVID, pre-planned operations and more.


Access to a leading health and wellbeing hub

Wellbeing support is included as part of your policy, providing counselling, medical, legal and financial support for each insured person to make use of.


Approved partner of ISBL

We are trusted by established bodies to work together to support schools reduce absences throughout the UK.


Valid claims are paid in an average of just 5 days

All claims are managed by our in-house claims team with access to a dedicated person. In addition, you can use our online portal to submit claims.

About staff absence insurance

Staff absence insurance, also known as, school staff insurance, covers you against increased costs as a result of staff absence. A claim can cover you for the cost of covering teacher absence and sickness pay.


Introducing The Education Broker

As insurance and risk management specialists in the education sector, we offer cover for staff absence across the education sector, including schools, multi-academy trusts, colleges, nurseries and more.


Flexible maternity options

We offer flexible maternity options to suit your requirements including covers for paternity and adoption leave. We can cover known maternities at the time of policy inception, and unknown maternities – as long as the staff member is less than 8 weeks pregnant at policy inception. Simply select the lump sum benefit you want to receive.


Optional cover

Unlike some providers, we can tailor your cover to meet your needs and budget, including varying levels of stress and maternity cover


Assisting your schools in more ways than one

We’re not limited to providing Staff Absence Insurance options for your schools, we can support you with much more including:

  • Cyber
  • Property
  • Liability
  • Motor
  • Engineering
  • Contract works
  • Trips and travel

It is worth considering having your other policies under one roof, with a longstanding reputation and excellent customer service support, you can be sure you are in the right hands.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Submit your claim using our online portal call our claims team on 0800 783 3500 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Staff absence FAQs

If a member of staff is unable to work, there can be unexpected costs. Supply cover can be an unforeseen expense for long periods and often isn’t budgeted for. Having an insurance policy is like having a safety net. Staff Absence Insurance helps to protect you from these unplanned expenses by paying you a benefit, allowing you to budget more accurately.

All of our policies have the option to include maternity, paternity and adoption leave cover. These are all different so that you can choose the right level of cover for your school’s requirements.

Our School Assist policy provides protection for sickness and accident*, bereavement, compassionate leave, phased returns to work, jury service, suspension, Long Covid, religious observance days (2 per insured person per period), training days (1 per insured person per period) and pregnancy related illness until 20 weeks before the expected due date. Stress cover and maternity/paternity cover can also be added to our School Safe policy if you require either of them.

*conditions that caused an absence of 5 continuous days or more in the 12 months prior to cover starting are excluded.

Our School Safe policy offers one of the widest covers on the market. In addition to all the benefits of our School Assist policy, it also covers pre-existing conditions, pre-planned operations, pregnancy related illness cover up to 28 days before the expected due date, enhanced suspension cover and stress related bereavement absences.

Furthermore, both of our policies include access to our market leading Health and Wellbeing Hub that can support your school in managing and reducing absence.

When you take out a policy with us, you'll be entitled to our Health & Wellbeing Hub. It’s designed to proactively maintain or improve the health of your staff, reducing the likelihood of absence.

Every case is different so please contact us to chat through your circumstances with a member of our team.

Yes. You can cover staff such as administrative staff, support staff and caretakers. Simply choose the staff categories you want to be covered. Part-time staff can also be covered, with the benefit proportionate to the hours worked.

All claims are handled by our in house claims department. You will be given your own claims handler who will be able to answer any questions you have. Remember, you need to make us aware of an absence within 30 days from the end of the month in which the absence occurs for a valid claim.

The sooner you make your claim, the sooner we'll be able to pay you. We’ve made it easy for you to log a claim with a number of ways to contact us. For more information on the claims process visit our claims with our client portal although you can also phone or email us if you prefer.





If there are staff changes, it’s important to let us know as soon as possible so that your policy is kept up to date – this helps us to pay your claims promptly. Making a staff change is easy and can be done at any time. Simply contact our team or login to our portal. 

This policy does not cover:

  • Any absence due to any accidental bodily injury (however, these can be considered upon request), sickness or stress commencing prior to the policy start day, unless the Insured Person has returned to work from that absence for a period of 20 consecutive working days
  • Any claim due to pregnancy or childbirth occurring any time after the 28th day before the expected due date
  • Inset days, special leave days or holiday periods (including statutory bank holidays)
  • Claims due to or consequent upon treatment or surgery which is not medically necessary to sustain or maintain quality of life

Yes. You can cover staff such as administrative staff, support staff and caretakers. Simply choose the staff categories you want to be covered.

Part-time staff can also be covered, with the benefit proportionate to the hours worked.

Read more FAQs

Read staff absence insurance articles

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Long-term sickness is a period of continuous absence lasting four weeks or more. Managers often need clarification on what support they are required to offer those absent on long term sick or what steps they should reasonably take to manage the situation.

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Read information and guidance for supporting a child who is dealing with the death of a loved one or a member of their community.

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