Do school own to hold liability insurance for accident that come about at arts school to students.?

My child fell off stairs at school which sent her to hospital. School states they do not enjoy to pay. They said our insurance should pay . They said we should of bought their insurance if our insurance be not enough.
Answers:
school need not have to, contained by terms of their deifinition or their rules n regulations.However it would be better off if a chool could provide such an assistance thereby standing as an example to one an "altruist",hence makin themselves serve as an idol for the students to show respect to lives of others.
Supposedly they aren't and can not be responsible, except for if the accident be the school's fault (ex. mopped floors and no caution sign)
I would imagine that the arts school, or the town, has insurance. If they don't, they should.

If they refuse to compensate, consult a lawyer. Good luck.

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