Guide to Nursery Insurance

What is nursery insurance?

Having the correct insurance for your nursery is hugely important in safeguarding the children and staff, as well as protecting your business. Our guide explains what nursery insurance covers and some common exclusions.

Nursery insurance is a commercial combined policy made up of various different covers, such as business interruption, public and product liability, and professional indemnity insurance. Nursery insurance can help to protect you and your business from a range of different claims, including accidents on site or off the premises, the administration of prescribed and non-prescribed drugs, and employers' liability.

What does nursery insurance include?

Nursery insurance policies can be tailored to suit your requirements and can provide cover for a variety of different instances. Nursery insurance is typically designed to cover you, your staff and the children from accidents, injuries or illnesses as a result of an activity at the nursery.

  • Public liability covers you if a visitor to your nursery is injured on site, or if an employee injures a third party whilst working for you.

  • Employers' liability is a legal requirement for any employer and covers you for damages arising out of accidents, injuries or illness occurring at work to your employees.

  • Legal expenses are covered by our nursery insurance policy and you are given access to a 24-hour legal advice line which provides impartial advice in the event of a claim or potential claim.

  • Nursery insurance can also cover you for incidents that occur on supervised outings away from the nursery, which can give you greater peace of mind when out and about.

  • Business interruption cover which can cover trading losses following damage to the building or its contents.

  • Loss of registration cover which covers the reduction in the value of your business following cancellation of the registration. Please note that this excludes any cause in your direct control.

Things to consider when choosing your nursery insurance policy

Nursery insurance includes a number of different cover types so it is worth speaking to a broker to understand the level of cover you require to ensure that you are adequately protected. These are some of the main things you need to keep in mind when purchasing nursery insurance.

  • Buildings insurance - If you are covering the premises itself then you will need to ensure that you have the correct level of insurance. It is important that you get an accurate valuation of the rebuild cost and update your insurer of any changes such as the purchase of outdoor play equipment.

  • Legal protection - Legal disputes can be costly and stressful so it is important that your nursery insurance includes protection against these costs as well as providing access to a solicitor to represent you. We also offer access to the Markel Law Hub which gives detailed guidance including an employee handbook. This can be edited and personalised, helping you and your team work together. Our cover also includes access to a 24-hour legal helpline for impartial advice when you need it. 

  • Support helpline - Working in the care industry can be a challenging role which can cause stress amongst staff. Your policy should give you access to a stress helpline for your staff which can give you and them greater peace of mind.

Nursery insurance from Towergate

Nursery insurance can help to protect your business, staff and children and keep things running smoothly. For more information visit our dedicated nursery insurance page or call us on 0330 123 5357 to speak to a specialist adviser.

About the author

Carolyn Baker-Mellor - care insurance articles authorCarolyn Baker-Mellor is a respected industry leader with over 35 years' experience within the care insurance sector. She works across a wide spectrum of insurance product and policy development, delivery and optimisation for care industry clients, including managing global corporate accounts, working closely with trade associations, and helping clients in protecting their businesses and personal assets. Her areas of expertise within the sector include care homes, nurseries, domiciliary care, hospices and charities.

Carolyn currently works at Towergate as Head of Care Insurance. Towergate is the UK’s leading independent insurance broking platform and forms part of the Ardonagh Group, an international network of over 100 offices and 7,000 people which incorporates leading brands in both Lloyd’s of London and global markets.

She previously worked for 10 years at Aon as a director, client services leader and assistant director for claims.