Insurance for Nurseries and Day Care Centres
What insurance do nurseries need?
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 wide-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.
How do I buy nursery insurance?
Request a quote or give us a call 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.
What insurance covers do children's nurseries need?
Care home insurance has several covers available, all of which can be specifically tailored to your requirements. There are many considerations to make to ensure you have the necessary cover.
Children's nursery insurance covers to consider:
Children's nursery insurance covers
Public liability insurance
Typically, you will need to include liability cover for you, your clients and employees, to safeguard your livelihood against unforeseen events. Public liability cover can protect you against large compensation awards if someone was to fall and injure themselves at your premises. 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.
Employers' liability insurance
Employers’ liability covers your staff against accidents at work. Liability claims can be costly, and no matter how careful you are, unfortunately accidents do happen.
Buildings, contents and equipment cover
Your playgroup insurance will typically also offer cover for assets, such as buildings, contents, computers and any other business equipment. Play equipment can be expensive to replace, so having the right levels of cover in place to protect indoor as well as outdoor goods is essential. You can select the levels of cover to suit your business needs, so you’re not paying for cover you don’t need. All these can be protected against a number of perils, such as fire, theft, flood, storm damage, and much more.
Business interruption insurance
Another key cover to take into consideration when sourcing your 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.
Additional children's nursery insurance covers
There are many other covers that can be included in your children's nursery insurance such as professional indemnity insurance and directors and officers insurance. You may also wish to consider cyber insurance if you hold customer's personal information. All of these covers can be tailored to your requirements to let you focus on what really matters – your business.
Children's nursery insurance brokers
We source nursery insurance from a range of the UK’s leading insurers to get you the cover that’s right for your business. Our expert advisors are on hand to talk through your insurance needs and find you the right quote for your business insurance.
Talk to a business insurance advisor today. We’re on hand to discuss your requirements and will support you for the duration of your policy.