1. School liability insurance covers medical expenses, food subsidies for hospitalization, lost time for guardians, nutrition expenses, nursing expenses, transportation expenses, disability, death compensation, funeral expenses, etc. If a student accidentally falls to the ground and breaks his bone during PE class at school because of outdated equipment, the school should bear the main responsibility. Or outsiders break in, causing harm to students. At this moment, the school liability insurance claims the medical expenses and hospitalization expenses of students;
2. The parts that can't be solved, such as students accidentally stepping on empty stairs when walking, kicking the ball and twisting their feet, are not the direct responsibility of the school but the responsibility of the students themselves, and no compensation will be made.
Judicial interpretation of compensation for personal injury Article 6 If a natural person, legal person or other organization engaged in business activities such as accommodation, catering, entertainment or other social activities fails to fulfill its security obligations within a reasonable range, causing personal injury to others, and the obligee requests it to bear the corresponding liability for compensation, the people's court shall support it.
If damage is caused by infringement by a third party, the infringing third party shall be liable for compensation. If the security obligor is at fault, he shall bear the corresponding supplementary liability for compensation within the scope that he can prevent or stop the damage. After assuming the responsibility, the security obligor may claim compensation from a third party. If the obligee of compensation brings a lawsuit against the obligor of security, the third party shall be regarded as a co-defendant, unless the third party is uncertain.
Article 7 If schools, kindergartens and other educational institutions that are legally obligated to educate, manage and protect minors fail to perform relevant obligations within the scope of their duties, causing personal injury to minors or personal injury to others by minors, they shall be liable for compensation corresponding to their faults.
If a third party causes personal injury to minors, it shall be liable for compensation. If schools, kindergartens and other educational institutions are at fault, they shall bear corresponding supplementary liability for compensation.
Article 5 If the obligee of compensation brings a lawsuit against some joint infringers, the people's court shall add other joint infringers as co-defendants. If the obligee for compensation waives the claim for compensation from some joint infringers in the lawsuit, the other joint infringers shall not be jointly and severally liable for the defendant's share of the claim for compensation. If the scope of liability is difficult to determine, it is presumed that all joint infringers bear the same responsibility.
The people's court shall inform the obligee of compensation of the legal consequences of giving up the creditor's rights, and specify the situation of giving up the creditor's rights in legal documents.