KSA - Municipal damage compensation

The Kommunale Schadensausgleich (KSA) is a type of insurance association for cities, municipalities and districts in NRW. It covers certain claims that arise in the context of municipal tasks - including in the school sector.

What is the KSA?

The KSA is not a traditional insurance company, but an association under public law. It protects local authorities against financial risks arising from liability and property damage. As local authority facilities, schools are automatically insured.

Example:

A pupil accidentally damages a window pane at school. The KSA checks whether the damage is covered.

What is insured?

  • Liability claims caused by pupils, teachers or other school participants in the context of school events

  • Material damage to buildings or inventory, if not caused intentionally

  • Damage during school parties, excursions or project days, provided these are organized by the school

Example:

A pavilion topples over at a school party and damages a car in the schoolyard. The KSA can pay for the damage.

What is not insured?

  • Intentional damage

  • Private events or activities not related to school

  • Damage outside the area of responsibility of the municipality

Example:

A pupil willfully damages a bicycle in the school playground. In this case, the student or the parents may be liable - not the KSA.

How does the damage report work?

The damage is reported to the school management. The school documents the incident and informs the school authority (e.g. City of Bochum). The school authority forwards the case to the KSA.