The Risk and Insurance pages provide information such as policy details and guidance with regards to making a claim. This includes links to policy documents and claim forms.
Incidents before 31 March 2023
Any public or employers liability claims with an incident date on or before the 31 March 2023 are insured by:
Zurich Municipal provides Cornwall Council's insurance policies
Policy number - QLA-05U008-0013
Portal ID - C00650
Incidents on or after 1 April 2023
Any public or employers liability claims with an incident date on or after the 1 April 2023 are insured by:
Maven Public Sector
Policy Number – P23CASLFG00270
Portal ID – D00051
This insurance covers the loss of funds, provided it is kept in a locked receptacle. It also includes cover for cash in transit to or from the bank.
Employers' Liability insurance covers injury or disease suffered by an employee as a result of their employment activities.
Information about insurance for foreign and uk school trips
General property insurance covers buildings owned or leased by the Council, including LEA schools. The General Property insurance also covers contents of our buildings.
Highways claim for damage or injury
If you suffer damage or injury on the highway, there is no automatic right to compensation. All claims are assessed based on laws and guidelines that are in place for assessing such claims.
Governors of Cornwall Council schools are covered by the Council’s insurance policies
Libel and Slander covers all employees should they be accused of libel or slander during the course of their duties.
All vehicles owned by Cornwall Council have fully comprehensive insurance cover via Zurich Municipal.
Personal accident, assault
All Cornwall Council employees are covered by the Personal Accident Policy for Assault.
The policy covers the following:
Violent or criminal assault
Attack by animals
Explosion while undertaking the duties of the Council
Public Liability insurance indemnifies the Council against claims for compensation by members of the public who have suffered a loss due to the negligence of the Council.
This scheme covers all Local Education Authority (LEA) schools contents, including windows and doors, against theft, vandalism or accidental damage.
A claim for loss or damage to personal effects may only be pursued if it is proven the council was negligent.
Information about the procedure for personal injury claims made that have a value of between £1,000 to £25,000.
Data protection
Information supplied to us may be held on a computer database and passed to
our insurers.
This authority is required by law to protect the public funds it administers and to
this end may use the information you have provided for the prevention and
detection of fraud.
It may share the information with other bodies responsible for auditing or administering public funds for these purposes.
The Cabinet Office requires us to participate in data matching exercises to assist
in the prevention and detection of fraud.
We are required to provide particular sets of data to the Minister for the Cabinet Office for matching for each exercise, which includes Insurance Claim data. The use of the data by the Cabinet Office is carried out with statutory authority under Part 6 of the Local Audit and Accountability Act 2014. It does not require the consent of the individuals concerned under the Data Protection Act 1998.
For more details please see our National Fraud Initiative page for more information.