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:
Public liability insurance is a type of cover that protects nurseries against claims for bodily injury or property damage caused to third parties. It can provide financial protection in situations where a nursery is held responsible for accidents or incidents that occur on its premises or as a result of its activities. This means that if a child in your care trips over some toys and sustains an injury; your public liability cover would take care of medical and legal expenses as well as any award for damages.
Public liability insurance is essential for nurseries as it helps protect their financial interests and reputation in the event of unforeseen accidents or incidents. It provides peace of mind to nursery owners, demonstrating their commitment to the safety and well-being of children, parents, and other individuals who interact with the nursery.
Employers’ liability cover provides cover for claims made by employees for injuries, illnesses or accidents that arise in the course of their employment.
Employers have a legal responsibility to ensure that their workplace is safe for their employees and that they are protected from harm while on the job. Nurseries are no exception, and as such, they need to have the necessary insurance coverage to protect them in the event of employee claims. Employers’ liability insurance is a legal requirement for many businesses with employees in the UK.
Property insurance, such as buildings and contents insurance, is an important type of cover for nurseries and playgroups to consider. This type of insurance protects against damage or loss to the physical property of the nursery, including the buildings and the contents within them.
Buildings insurance provides coverage for the structure of the nursery building itself, including any fixtures and fittings, against a range of risks such as fire, flood, theft, and damage caused by extreme weather events. This type of insurance covers the cost of repairing or rebuilding the nursery building in the event that it is damaged or destroyed.
Contents insurance provides coverage for the equipment, furniture, and other items within the practice building, including toys and specialist care and play equipment. This type of insurance covers the cost of repairing or replacing these items if they are damaged or destroyed as a result of a covered event, such as a fire or flood.
Another key cover to take into consideration when sourcing your nursery or crèche insurance is business interruption. This will typically cover you in the event of your property being damaged by an insured event, leaving you unable to trade. Business interruption cover can protect your income and expenses and may help you operate temporarily from another location whilst you get back up and running.
Commercial legal protection provides coverage for legal fees associated with defending against legal claims or pursuing legal action related to the nursery.
For example, commercial legal expenses could provide cover for tax and VAT disputes, employment disputes and compensation awards, as well as an allowance for jury service should you, your business partners or employees be summoned.
In today’s digital age, nurseries collect and store sensitive information about children and families, making them potential targets for cybercriminals. Cyber and data cover can help nurseries mitigate the financial and reputational impact of cyber incidents by providing coverage for various expenses and liabilities associated with such events. Our advisors are on hand over the phone to discuss your cyber liability insurance requirements.
Professional indemnity insurance is designed to protect the nursery and its staff against claims of negligence, errors, or omissions in providing professional services or advice. It is particularly relevant for nurseries offering educational programs. For example, In the context of nurseries, professional indemnity insurance provides coverage for situations where a nursery may be accused of failing to meet professional standards or providing inadequate care, resulting in harm or injury to a child, parent, or other involved parties.
Directors and Officers (D&O) insurance is a type of insurance that provides coverage for nursery directors, officers, and other high-ranking employees against claims of wrongful acts, errors, or omissions that they may have committed in the course of their duties.
For nurseries, D&O Insurance can provide coverage for claims of mismanagement, breach of fiduciary duty, discrimination, harassment, or other wrongful acts that the directors and officers may have committed while running the practice.
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:
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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.
We understand the nature of running your own business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
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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.