Education Mutual provide a proven, innovative way to manage staff absence protection for Schools and Trusts. As a non-profit making and DfE approved mutual, we operate solely for the benefit of our members. Our market leading cover provides budget security, alongside free healthcare with all memberships. Mutuals do not have to make money for investors or shareholders. Education Mutual is owned by its members - schools, colleges and nurseries, all education providers, with the purpose of keeping more of the budget within Education. Education Mutual is operated solely for the benefit of the members with all members paying a contribution to the mutual which is used to pay claims. Members can attend Annual General Meetings and vote on important issues such as who is elected to the board, cover improvements and contribution levels. The mutual board makes key decisions such as what to do with any surplus after payment of claims and administration costs. These will include; Refunds to Members Reductions in Contributions Cover Enhancements Member Grants Member Training Events Education Mutual. By schools, for schools.