Nursery Insurance

What can children’s nursery insurance cover?

While every day nursery is as unique as the children in its care, there are some common risks – such as public liability insurance, loss of registration insurance, and business premises insurance that you’ll want to include. We can arrange children’s nursery insurance and can offer a range of policy elements, including:

• Loss or suspension of registration insurance – covers the reduction in the value of your business should your Ofsted or Care Registration certificate be suspended or canceled. This cover only applies if the exclusion from the register occurs owing to reasons beyond your control
• Public liability insurance – day nurseries and kindergartens can be busy, hazardous places, what with little ones running around and toys and games in use. If a child in your care or a member of the public is injured or their property damaged while with you, you can be held liable. Public liability insurance will protect you financially should you be sued for damages
• Employers’ liability insurance (EL insurance) – is a legal requirement if you have any staff, full-time, part-time, or contracted. EL insurance protects children’s nursery owners from compensation claims from their employees should a claim be made against them for loss or injury at work. Your policy must have a minimum of £5m cover and be with an authorised insurer
• Business premises cover – if you run your nursery from premises, you’ll want to protect them. If your premises were damaged or destroyed, business premises insurance would cover the cost of repairs or a rebuild
• Legal expenses – should someone bring legal action against you or your nursery, legal expenses insurance will cover the cost of defending the claim
• Business interruption insurance – should disaster strike – a fire, a flood, or an explosion – and you can’t open, business interruption insurance will provide an income until you can get your nursery back to its previous operating level
• Nursery contents – including your equipment, toys and games, computers, phones, and other business equipment
• Products liability insurance – should a product you use or recommend cause damage or harm, you can be liable for compensation if action is brought against you. Products liability insurance will protect you should a case be successful
• Money cover – if cash is stolen or lost, then you can claim compensation
  Personal accident (for staff and children) and personal assault – covers things like medical bills and loss of earnings should you be injured or assaulted or if a child in your care is hurt
• Children’s personal effects – if they are lost, stolen or damaged while they’re in your care, you’ll be covered for replacement costs
• Directors’ and officers’ insurance – insures an organisation’s senior people from financial loss should they become involved in legal disputes arising from its activities. Cover can extend to defence costs arising from criminal and regulatory investigations or a trial

What type of organisations can nursery insurance cover?

Children’s nursery insurance through Jensten Insurance Brokers is a flexible policy that can protect a range of providers, including:

• Children’s nurseries
• Day nurseries
• Children’s nurseries run from premises
• Children’s nurseries run from home

How much does nursery insurance cost?

As we’ll create your cover around your nursery, that’s not an easy question to answer. What we can say is that your nursery insurance quote will be based on factors such as:

• Where your business is located, and what is its postcode
• The number of children you have in your care
• Whether you have staff, and if so, how many
• The type of activities you offer
• The size and value of your premises – if you have any
• The value of your equipment
• The turnover of your business
• Your claims history
• Whether you want to pay monthly or annually – annually will usually be cheaper

For tailored nursery insurance help, please contact the Jensten Insurance Brokers team or call them on 01615 163 352.