Nursery covers
Eight covers built around how early years settings actually run. Take them one at a time or bundle the essentials.
Claims from third parties, such as parents, visitors and contractors, who are injured or have their property damaged on your premises or because of your activities. Includes legal fees and compensation.
A parent slips on a wet floor at pick-up, or a visitor's car is damaged by a falling fence panel. Ofsted-registered daycare providers must have public liability insurance in place.
Legal costs and compensation if a member of staff is injured or becomes ill because of their work at your setting.
If you employ staff, this cover is a legal requirement in the UK. It covers you if a staff member is hurt lifting a child or slips during outdoor play.
Claims that your advice, guidance or professional care caused someone financial loss or harm.
Nurseries advise parents every day, from development milestones to support for children with special educational needs. If that advice is questioned, this cover pays to defend you.
Damage to your premises and everything in them, from furniture and play equipment to IT and resources, caused by fire, flood, storm, theft and more.
If you own your building, a bad night's weather can wipe out years of investment. If you lease, your contents and any improvements you've made still need protecting.
Lost income and ongoing costs, such as staff wages and rent, if an insured event forces you to close for a while.
When a nursery closes, the fees stop but the bills don't. This cover helps you keep staff paid and reopen without losing families to another provider.
Legal defence costs and claims arising from allegations of abuse or molestation.
Even a groundless allegation can be devastating to a setting's finances and reputation. This cover means you can respond properly while it's investigated.
Minibuses, vans and other vehicles used by your nursery, for accidents, injury and damage.
If your setting runs vehicles for school runs, outings or deliveries, motor insurance is a legal requirement. It must cover business use, which personal policies usually don't.
Data breaches, lost personal data, ransomware and cyber attacks, including the cost of responding and notifying families.
Nurseries hold sensitive details about children and parents. Under UK GDPR you're responsible for keeping that data safe, and a breach can be costly to put right.
Bundle the essentials
Four covers, planted together. One renewal date, one set of documents for Ofsted, one number to call.
Add cyber, motor or safeguarding alongside
Quote for the package
Tell us about your nursery and we'll come back with a no-obligation quote. Or pick up the phone and talk to a real person.
by Insurance-Desk