But, again, do you think the school never considered this with their health and safety, insurance etc?
Insurance generally covers negligence or fault, so unless the policy specifically excludes it, it would be covered… However, as I wrote before, insurance is a red herring here….
If a child is at risk of a serious injury that would trigger a claim, having insurance claim doesn’t suddenly make that risk acceptable….
Does anyone seriously say to themselves, “there’s a risk that my child might get attacked by a dog, but as long as there’s insurance in place to ensure I get a pay out if my child gets attacked, I’m ok with my child being exposed to that risk.”? Of course not, or at least, I hope not!
And someone with the blaze attitude that some posters have on here could easily contrive a risk assessment that deems the risk to be acceptable.