Nursery Insurance - Comprehensive Coverage for Your Childcare Business

Nursery insurance is specifically designed for childcare providers. It covers professional liability for childcare standards, safeguarding allegations, Ofsted compliance costs, and the unique risks of caring for children that standard business insurance excludes.

Yes, our nursery insurance includes comprehensive professional indemnity coverage for safeguarding allegations, child protection investigations, and abuse claims. This includes legal defense costs and crisis management support.

Our business interruption cover includes regulatory closure protection. This covers lost income, ongoing expenses like staff wages, and costs of supporting families to find alternative childcare during suspension periods.

Yes, our public liability coverage protects against child injury claims including playground accidents, falls, allergic reactions, and supervision-related incidents. Coverage includes medical costs, compensation, and legal fees up to £6 million.

Our cyber insurance covers GDPR breaches involving child and family data, including regulatory fines, notification costs, credit monitoring, and system security improvements following a breach.

Costs typically range from £800-£3,500 annually depending on child capacity, staff numbers, premises size, Ofsted rating, and additional services offered. 'Good' or 'Outstanding' Ofsted ratings can significantly reduce premiums.

Yes, we can extend coverage for forest schools, outdoor education, and adventure activities. This includes off-site liability, equipment coverage, and specialized activity risks not covered by standard policies.

We'll need details about your child capacity, age ranges, staff numbers, premises details, Ofsted rating, additional services offered, and any previous claims or incidents.

Yes, we provide enhanced coverage for SEN nurseries including specialized care liability, medical administration, behavioral incident claims, and additional support staff coverage.

Yes, we can extend coverage for after-school clubs, holiday programs, and wraparound care. This includes extended hours liability, mixed-age activities, and transportation coverage.

Yes, we offer flexible payment options including monthly direct debit to help with cash flow management. There's usually a small additional charge for monthly payments.

Once we have all required information, we can often provide same-day cover. For urgent requirements or new nursery openings, call us on 0330 127 2333 and we'll prioritize your quote.

Credit history can influence premium pricing, but your Ofsted rating, claims history, and operational standards often have more impact on nursery insurance costs than credit scores.

Some insurers may conduct credit checks as part of their underwriting process, but this varies by provider. We'll let you know upfront if a credit check is required and work with insurers who focus more on your childcare credentials.

Absolutely. A 'Good' or 'Outstanding' Ofsted rating can significantly offset credit concerns, as insurers view this as evidence of professional competence and reduced risk in childcare provision.

We work with specialist insurers who consider applications from nursery operators with County Court Judgments or previous bankruptcy. Your current financial stability and Ofsted compliance are often more important factors.

Contact our 24/7 claims helpline immediately after any incident. For safeguarding allegations, we provide immediate crisis management support and assign specialist claims handlers who understand childcare sector requirements.

Ensure the child receives appropriate medical attention first, then document everything - take photos, gather witness statements, and complete incident reports. Notify us within 24 hours and avoid admitting liability to parents.

We provide immediate crisis management support including legal representation, PR guidance, and liaison with Ofsted and local authorities. Our specialist handlers understand the sensitivity and urgency of safeguarding cases.

We work closely with Ofsted requirements and can provide guidance on reporting obligations. Our claims team understands regulatory requirements and can help minimize impact on your registration status.

Simple liability claims can be settled within weeks, while complex safeguarding or professional negligence claims may take months. We'll keep you updated throughout and provide interim support where needed.

Yes, our policies include legal representation for covered claims. We work with solicitors who specialize in childcare law and understand the unique challenges facing nursery providers.

Notify us immediately and don't engage in detailed discussions with parents about liability. Our claims team will handle all communications and provide legal representation if formal proceedings are commenced.

Yes, our crisis management service includes PR support and media guidance. We understand how negative publicity can damage a nursery's reputation and provide professional support to protect your business.

This depends heavily on the nature and timing of convictions, especially for childcare providers. Any convictions involving children, violence, or dishonesty are particularly problematic, but we work with specialist insurers who assess each case individually.

For childcare providers, the Rehabilitation of Offenders Act exceptions apply. You must declare all convictions, including spent ones, as working with children requires enhanced disclosure requirements.

All childcare staff require enhanced DBS checks. Staff convictions can affect your insurance terms, particularly if they involve safeguarding concerns. You must have robust recruitment and monitoring procedures in place.

Minor, older convictions unrelated to childcare may not prevent coverage, but must be declared. Your Ofsted registration status and DBS clearance are more critical factors for nursery insurance eligibility.

You must notify us immediately of any convictions during the policy period, especially those affecting your DBS status or Ofsted registration. Failure to disclose could invalidate your insurance and affect your ability to operate.

If Ofsted has raised suitability concerns, this significantly impacts insurance availability. We work with specialist insurers, but coverage may be limited or unavailable until suitability issues are resolved.

Convictions, particularly those involving children or violence, can significantly increase premiums or lead to coverage exclusions. The impact varies by conviction type, age, and relevance to childcare provision.