Nursery Insurance | Day Nursery Insurance
Feefo logo
Feefo logo

Nursery Insurance

Nursery Insurance can cover many risks that businesses may face. Jensten Insurance Brokers can advise on and arrange cover to help mitigate those risks.

What is Nursery Insurance?

Children’s Nursery Insurance, or Day Nursery Insurance as it’s known, offers specialist protection to people running nurseries. Nursery Insurance through Jensten Insurance Brokers is a flexible policy that can provide protection against a range of risks, including:

  • Loss or Suspension of Registration
  • Public Liability
  • Employers’ Liability
  • Legal Expenses
  • Business Premises and Contents
  • Business Interruption
  • Directors’ and Officers’ (D&O Insurance)
  • Professional Indemnity Insurance

Need Nursery Insurance?

For comprehensive Nursery Insurance

What does 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:

Business Interruption Insurance

When damage or unforeseen events do occur the financial strain on your business can be significant. Damages caused by fire, flood and even accidental incidents can prove a basis for cover under business interruption insurance, our experts will work with you to understand the most likely risks and provide adequate coverage.

Business premises cover

If you’re trading from premises – be it a forecourt, yard or compound – you’ll want to have them protected. If your premises were damaged or destroyed, business premises insurance would cover the cost of repairs or a rebuild.

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

D&O insurance reimburses the defense costs incurred by board members, managers, and employees in defending against claims made by shareholders or third parties for alleged wrongdoing. D&O insurance also covers monetary damages, settlements, and awards resulting from such claims.

Employers’ Liability Insurance (EL insurance)

EL – is a legal requirement if you have any staff, full-time, part-time or contracted. EL insurance protects employers’ 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, with £10m being the industry standard.

Legal Expenses

If someone takes legal action against you or your company Legal Expenses cover will support you in the cost of going to court.

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 cancelled. This cover only applies if the exclusion from the register occurs owing to reasons beyond your control.


Your policy can provide you with the cover for the theft of any business or personal money from your premises, and it also extends family members who permanently live with you at the property.

Nursery Contents

Including your equipment, toys and games, computers, phones, and other business equipment.

Product Liability Insurance

If products you use or recommend cause damage or harm, you can face claims for compensation. Product liability insurance will cover any pay-outs should a claim prove successful.

Public Liability Insurance

Public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It can cover legal costs and any compensation claims, if your business is found to be at fault.

Why use Jensten


A dedicated team that understands specialist insurance


We are the trusted broker to businesses throughout the UK


Tailored insurance to the needs of your business

Talk to the experts

Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.


Contact us on our website whenever suits you

Call our insurance experts during office hours (calls are charged at a local rate)


Find answers to common insurance questions

Which businesses 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 0161 516 3352.

For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.

Need Nursery Insurance?

For comprehensive Nursery Insurance

Nursery Insurance

Children’s nursery owners need to get the right Nursery Insurance. To help you do that, here is our Nursery Insurance frequently asked questions. We hope they are of use, but if you’d like some independent advice, please call us on 0161 516 3352, and the team will be happy to help.

As well as flexible, quality cover, day Nursery Insurance through Jensten Insurance Brokers offers you the following benefits:

• Independent advice from a highly experienced team
• Dedicated in-house claims service
• Service from quote to claim

No, but if you have any employees, you’ll need Employers’ Liability Insurance (EL Insurance) of at least £5m.

Cover through Jensten Insurance Brokers can be tailored to your needs, but it can include essential covers such as Public Liability, Loss of Nursery Registration Certificate, Premises, and Employers’ Liability Insurance.  If you’d like some independent advice, please call us on 0161 516 3352and the team will be happy to help.

Loss or Suspension of Nursery Registration Insurance is designed to cover the reduction in the value of your business should your Ofsted or Care Registration certificate be suspended or lost through no fault of your own.

Yes, nursery cover through Jensten Insurance Brokers can include cover for organised days out and excursions.

That will depend on things like the size of your business, its postcode, your claims history, the value of your equipment, whether you need Nursery Premises cover, and if you have any employees.

For a personalised Nursery Insurance quote, please call us on 0161 516 3352and the team will be happy to help.

There are several ways of cutting Nursery Insurance costs, including:

  • By building up your no-claims bonus by not making claims for minor problems
  • Making sure your premises (if you have any) are secure and have CCTV/a web-based security system
  • Always use an independent broker such as Jensten Insurance Brokers.  A specialist independent insurance broker will have the knowledge to ensure you get the Nursery Insurance quote you need and can do the comparison for you.

Getting a quote is easy.  You can call us on 0161 516 3352and the team will be happy to help you find the protection you need.  We work with a panel of different insurance companies and can help find the appropriate cover to suit your individual needs.