While participating in school events, on the way to and from school and while taking part in supervision measures carried out by the school or in cooperation with the school immediately before or after lessons, pupils at general or vocational schools are covered by statutory accident insurance. Statutory accident insurance also covers volunteers such as parents' councils or school transport services under certain conditions.

The accident insurance providers in Bavaria are the Kommunale Unfallversicherung Bayern (KUVB) and the Bayerische Landesunfallkasse (LUK).

In addition to the financial settlement of school accidents, the insurance providers are also responsible for accident prevention measures.

In the event of an accident at school, the head teacher prepares an accident report and forwards it to the accident insurance provider. He/she is supported in this by the safety officer .

There are no fees for pupils or parents/guardians. The costs are generally borne by the local authority or the Free State of Bavaria.