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Nursery insurance

We’ll protect your organisation whilst you focus on the safety and wellbeing of the children in your care.

Insurance cover for early years education establishments like nurseries, pre-schools, kindergartens and more - from the student specialists.

A nursery teacher sat around a table with four children playing with toys

What’s covered with nursery insurance?

When it comes to early years education establishments like nurseries, insurance is essential to get right. That’s why we offer day nursery insurance that can provide a wide range of cover for your organisation. Cover can include:

Bullet Point

Contents cover

Contents cover to protect against risks like theft, fire, flood and accidental damage. Includes the option to add buildings cover if needed.

Bullet Point

Business interruption

Provides coverage for lost revenue and additional expenses following an interruption to your business such as fire, escape of water, flood, storm damage and more.

Bullet Point

Employers liability and public/products liability

Employer’s liability and public/products liability cover for legal costs relating to injury or property damage should an employee, member of the public or volunteer make a claim against your organisation.

Bullet Point

Cover for a wide range of early years establishments

Whether you’re looking for day nursery insurance or cover for your Montessori school, we can insure different types of early years education establishments.

What is nursery insurance?


Nursery insurance, otherwise known as nursery business insurance, protects early years education establishments (like nurseries, preschools, Montessori schools and children’s centres) against a number of unique risks.

Endsleigh’s nurseries’ insurance provides personalised cover with the added bonus of receiving expert advice and dedicated support from our specialist education insurance team.

Nursery insurance FAQs

Still not sure about insurance for your nursery? We’ve pulled together some frequently asked questions to help.

What insurance does a nursery need?


Due to the unique nature of nurseries and associated activities, each establishment will have specific risks to protect against.

Rather than taking out several types of nursery school insurance separately, you can choose to work with Endsleigh, who has dedicated insurance packages designed to meet the specific needs of nurseries and similar organisations. This means cover is provided for a wide range of children’s activities and childcare settings (registered or non-registered).

Your early years education establishment may need a range of cover such as the below. Please note that some of these covers are required by law.

  • Public and products' liability insurance

    Anyone providing childcare services, such as nurseries, playgroups, creches, kindergartens, Montessori schools etc., will legally need to have public liability insurance in place. This covers your nursery for your legal liability in a range of different circumstances such as an injury to a child or third party (such as a parent/visitor), or for accidental loss or damage to a third party’s property.

    It will also cover you if a claim occurs from a product sold or supplied by your nursery, plus for various activities such as forest schools, animal handling, swimming, bouncy castles, trampolines, fundraising events and more.

  • Employers’ liability insurance

    Employers’ liability insurance is similar to public and products’ liability insurance, but for staff. If your nursery employs staff (whether that be paid staff, volunteers, trainees or those undertaking work experience), you will be legally required to have employers’ liability insurance in place. This protects your nursery against claims made following injury or illness caused by work.

  • Buildings and contents cover

    Although usually not a legal requirement, with so much financial (and emotional) investment in your nursery, it makes sense to have children’s day nursery insurance in place to protect the premises and its contents should the unexpected happen. Cover can protect against a wide variety of risks such as fire, flood, storm, theft and accidental and malicious damage.

    With Endsleigh’s nursery insurance in the UK, contents cover is included as standard, including cover for loss and damage* that takes place at your premises and in transit. Buildings cover can be added on if required.

    *Exclusions apply

  • Business interruption insurance

    Provides cover if you are unable to continue operating as a result of an insured peril i.e. accidental damage, fire, flood, storm. This insurance covers the loss of income or additional costs incurred following physical damage to your property.

    This is an important area of cover that can often be miscalculated and could have a detrimental impact on your ability to continue operating when such disasters strike.

  • Professional indemnity

    This protects you against claims made in respect of your legal liability for losses arising from a breach of professional duty.

    Endsleigh’s nursery business insurance also includes a variety of covers such as:

    • Legal expenses
    • Employment practices liability (for example, employment tribunals for allegations of unfair dismissal)
    • Professional indemnity
    • Directors’ and officers’ liability and critical cover
    • Contents in transit
    • Officials’ personal defects
    • Children’s personal defects
    • Deterioration of refrigerated stock
    • Equipment breakdown
    • Loss of registration certificate
    • Personal accident for children and officials
    • Money
    • Officials’ personal money
    • Employee dishonesty
    • Crisis containment

How much is nursery insurance?


Because nursery insurance is personalised specifically for each organisation, each policy and therefore cost will be different depending on your nursery’s needs.

We’ll use our relationship with a number of highly reputable insurers to ensure we source the most competitive premiums along with the best advice.

For an accurate, no obligation quote, get in touch with our team today.

Interested in nursery insurance?

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