Nursery insurance

Due to the unique nature of nurseries and associated activities, there will be a variation in the insurance requirements needed to protect each organisation.

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

Cover that your nursery may need, and that we provide, could include 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 like the above, 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 cover 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, 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 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

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

However, Endsleigh will use their access to 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.