Kindergarten Liability Insurance in Iran
For managers of kindergartens, preschools, non-governmental schools and child education centers.
Persian twin page (authoritative): /liability/commercial/kindergartens
Short answer
Kindergarten and educational center managers liability insurance in Iran compensates bodily and financial damage to children and students during care, teaching and supervision, under the Civil Liability Act. The supervisor's liability for a minor's conduct follows Article 2 of the same Act, and payment is made up to the policy limit.
The final premium is issued upon official quotation — no premium figures are published on this site.
Who needs this policy?
- Managers of kindergartens and preschools licensed by the State Welfare Organization
- Managers of non-governmental schools and free-standing training institutes
- Rehabilitation and special-education centers for children
- Licensed home-based kindergartens
- Instructors and supervisors, within the duties entrusted to the center
What is covered?
| Coverage | Description |
|---|---|
| Child injury during care | The child's diyeh and treatment costs after a fall, collision or accident while under the center's supervision. |
| Supervision liability | Cover for the supervisor's liability arising from failure to protect the child commensurate with age and condition, under Article 2 of the Civil Liability Act. |
| Child injuring another child | Compensation for damage inflicted by one child on another, within the center's duty of supervision. |
| Damage to children's belongings | Cover for financial damage to children's personal items — glasses, toys and similar — in insured incidents. |
| Damage to neighboring properties | Cover for fire and damage caused by the center's activity to adjacent properties, as provided in the policy. |
| Legal defense costs | Procedural costs in complaints by parents and supervisory bodies such as the State Welfare Organization and the Ministry of Education. |
What is not covered? (Exclusions)
- Operation of the center without a license from the State Welfare Organization or the Ministry of Education
- Intentional injury by staff with an established criminal aspect
- Incidents outside the center's supervisory time and premises
- Damage caused by disregarding equipment safety standards with the management's knowledge
- Contagious diseases without proof of transmission through the center's environment
- Acts of God, unless specially endorsed
Issuance conditions
- A valid operating license from the State Welfare Organization or the Ministry of Education
- Observance of the instructor-to-child ratio and educational space standards
- Health records kept and parental consent forms obtained
Required documents
- Establishment license of the kindergarten or school
- No-criminal-record certificates and health cards of instructors
- Identity documents and articles of association of the establishment
- List of instructors and the capacity of enrolled children
- Previous policy and incident history
How to buy — step by step
Quotation by center capacity
Submit the quote request stating the number of children, activity type and desired limit; the advisor delivers the final proposal.
Documents and official proforma
With the establishment license, instructor documents and identity documents, an official proforma invoice is issued on Bimeh Iran tariffs.
Premium payment
Pay through the banking gateway or a bank receipt; issuance starts after payment is confirmed.
Policy issuance and delivery
The policy, stating the address and capacity of the center and any agreed endorsements, is delivered in print and electronically.
How to claim — step by step
Immediate notification
Notify the parents and the agency of the child's injury immediately and document the scene and the evidence.
Claim form
Complete and sign the form with the child's attendance time, the instructor present and a precise account of the accident.
Case documents
Submit the medical file, the instructor's report, CCTV footage and the parents' identity documents.
Assessment of responsibility
The adjuster evaluates the supervision performed and whether the accident is attributable to the center's negligence.
Agreement and payment
Once responsibility and the amount are established, the loss is paid subject to the deductible and up to the policy limit.
Claim notification deadlines and assessment details follow the policy general conditions and the Iranian Insurance Act (Article 30 practice: notification within five working days).
FAQs — Kindergarten and Educational Centers Liability Insurance
Legal sources
Civil Liability Act of Iran (1960) — Articles 1 to 11, in particular Article 2 — custody and supervision
Civil Code of Iran — Articles 328 to 335 — liability of possessors and custodians
Iranian Insurance Act (1936) — Article 12 — insurable interest
Islamic Penal Code — Diyat chapter — Book Five, Articles 449 onwards
Iranian statutes are authoritative in Persian; English titles above are orientation references.
Reviewed by the Iran Liability Insurance content team
Reviewed by the licensed team of Agency No. 20616 of Bimeh Iran, specialized exclusively in liability insurance.
Legal review: licensed team of Agency No. 20616, Bimeh Iran — Last reviewed: 24 October 2026
Get Kindergarten and Educational Centers Liability Insurance through the official Bimeh Iran agency
The online quote form is in Persian. English-speaking visitors may submit inquiries by email in English, and a consultant will respond in English. The quotation is issued on current Bimeh Iran tariffs after the limit of liability is agreed.