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Nursery Insurance

Cover designed for a range of different regulated and registered early year establishments, including nurseries, sure start centres, Montessori and more.

  • Business contents plus personal effects of employees and children
  • Public Liability, Product Liability and Employers Liability
  • Cover includes access to Markel Business Hub and a 24/7 stress helpline
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If you need additional assistance arranging your insurance, find out how our teams can support

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Overall service rating 4.6 / 5

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Why choose nursery insurance with Towergate?


Cover underwritten by A-rated insurer Markel

We work with an A Rated insurer to provide peace of mind and confidence to nurseries.


Specialist loss recovery cover included

A loss recovery service that gives access to a qualified consultant for eligible Property and Business Interruption claims over £5,000.


A team of dedicated advisers

Our teams are specialists when it comes to understanding the requirements of a busy nursery.


In-house nursery claims team

We also have a team of handlers who deal with all claims directly with Markel.

About nursery insurance


Buildings and contents cover for your nursery

Including costs for reproducing documents and computer system records, staff and children’s personal belongings, flood and escape of water, theft and attempted theft as well as emergency service damage claims


Complimentary legal and stress advice

Our nursery policy includes complimentary access to Markel Business Hub; your very own legal information portal which delivers up-to-date legal information and a wide range of legal guides you can fully tailor to suit your nursery’s needs. As well as Markel Business Hub, you also receive access to a 24-hour stress helpline that you and your employees can call whenever you need support.


Business interruption cover

Cover for a variety of reasons that may cause your nursery interruption, including loss of revenue and/or increase in cost of working which follow a damage claim under the Contents and/or Buildings sections.


Personal accident

Cover for any employed member of the teaching and support staff against accidental injuries, 24 hours a day, anywhere in the world, as well cover for any child attending the nursery against accidental injury whilst on the premises or whilst participating in activities organised and supervised by the insured.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0330 123 5921 or email and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
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Nursery insurance FAQs

Nursery insurance includes a number of different covers, 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 and contents insurance
  • Revenue Protection
  • Loss Of Registration
  • Liabilities
  • Personal Accident
  • Employee Dishonesty
  • Legal Expenses

Yes, subject to the administration being given in accordance with the manufacturer's or medical practitioner's instructions of both prescribed and non-prescribed medicines/drugs are included under the policy.

Public liability and product liability, including cover for abuse.

Yes, out of school clubs and holiday schemes are covered.

Yes, under the nursery insurance policy you are covered for organised and supervised outings.

This policy does not cover any claims relating to Coronavirus including COVID-19 and SARS CoV-2 , cyber incidents, wear and tear or Communicable Disease. . Please contact us for further information about the significant terms, conditions and exclusions of the policy which can be provided when you speak to one of our advisors. A policy wording is available upon request.

Read more FAQs

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