Nursery staff member with child

Nursery Insurance

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Nurseries and day-care centres are unique environments that require specialised insurance to cover the range of risks that they’re exposed to.

We understand the unique challenges and risks that nursery owners face in today's ever-changing landscape. Our mission is to provide you with peace of mind, allowing you to focus on what truly matters – providing a safe and nurturing environment for the children in your care.

Choosing the right insurance is essential to protect the business you’ve worked so hard to build. We understand these risks and can recommend the right covers to create a tailored insurance solution for your nursery, built to your individual requirements.

Our expert advisors are just a call away. They’re dedicated to finding you the right cover at the right price and work closely with a panel of trusted insurers to ensure you get bespoke protection for your livelihood.

So whatever your insurance needs, we’ll arrange a policy to meet them and give you the peace of mind that your nursery business is protected.

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm

Nursery insurance is a form of business insurance that is designed to protect nurseries and childcare facilities from various risks and liabilities specific to their industry. It can provide financial protection in the event of accidents, property damage, legal claims, or other unforeseen events that could impact the nursery's operations, reputation, and financial stability.

With the right insurance coverage in place, nurseries can focus on providing quality care to their children, knowing that they are protected against various risks and liabilities that may arise in the course of their operations.

When deciding what insurance and covers you need to protect your business, you should consider the following:

Nursery schools and childcare services are unique and require bespoke insurance to cover the range of risks that are faced daily. Nursery insurance is tailored to cover a wide range of exposures that could leave your business open to financial losses. Without the right insurance in place to protect your livelihood, you may be subject to claims against you that could impact the future of your business.

The specific insurance needs of a nursery will vary depending on its size, location, and other factors. At Premierline, we help nurseries assess their risks and determine the appropriate insurance cover required to protect the business.

Nursery and playgroup insurance can cover your buildings, equipment, clients, staff, and general trading activities. Covers to consider include:

  • Public liability – provides protection against claims made by members of the public who may be injured or suffer property damage.
  • Employers' liability – to protect against claims made by employees who may be injured or suffer illness as a result of their work.
  • Medical Malpractice - provides protection against claims of professional negligence by patients in your care.
  • Buildings cover – to cover for loss or damage to your premises.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Business legal expenses – to cover the cost of legal expenses or defending your business against legal action.
  • Cyber liability - to protect against data breaches, cyber-attacks, and other online risks.
  • Directors and officers - can provide coverage for claims of mismanagement, breach of fiduciary duty and discrimination.

The cost of nursery insurance can depend on a number of things, including the scale of your business, the level of cover you require, and the other risks associated with the care industry.

It's important to speak with an insurance advisor to get an accurate estimate of the cost of insurance for your nursery or playgroup. At Premierline, we can help you understand the different factors that may affect the cost of insurance and provide you with a customised insurance policy that meets your unique needs and budget.

Our team of dedicated insurance experts understands the intricacies of the nursery industry. We work closely with you to assess your unique risks and develop a comprehensive insurance plan that covers everything from property and liability protection to business interruption and equipment coverage. With Premierline, you can have confidence knowing that your nursery is well-protected against unforeseen circumstances that could disrupt your operations or put your financial stability at risk.

We understand that running a nursery is a demanding job, so we aim to make the insurance process as smooth and hassle-free as possible. Our friendly and knowledgeable team is always here to answer your questions and provide guidance.

At Premierline, we can arrange business insurance for various businesses within the care industry. There are many different types of nursery businesses, each with its own unique set of needs and insurance requirements. Here are a few examples of different types of practices we can work with:

Day nurseries, pre-schools or playgroups, forest schools, nursery schools, private nurseries, community nurseries and crèches.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 
“Excellent Service! Unfortunately had to file an insurance claim but the process was clear and smooth. Claim payout was processed promptly. Renewed business insurance for another year.”
Dental Surgery
Customer since November 2021
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
Request a quote by calling us today. We have many years’ experience listening to the needs of our customers and arranging nursery insurance on their behalf, meaning we have gained a thorough understanding of the trade and the covers that you need most.
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm