Nursery insurance

Nursery schools and childcare services are unique and require bespoke insurance to cover the range of risks that are faced daily. Nursery insurance is tailored to cover a wide range of exposures that could leave your business open to financial losses. Without the right insurance in place to protect your livelihood, you may be subject to claims against you that could impact the future of your business.

The specific insurance needs of a nursery will vary depending on its size, location, and other factors. At Premierline, we help nurseries assess their risks and determine the appropriate insurance cover required to protect the business.

Nursery and playgroup insurance can cover your buildings, equipment, clients, staff, and general trading activities. Covers to consider include:

• Public liability – provides protection against claims made by members of the public who may be injured or suffer property damage.
• Employers’ liability – to protect against claims made by employees who may be injured or suffer illness as a result of their work.
• Medical Malpractice – provides protection against claims of professional negligence by patients in your care.
• Buildings cover – to cover for loss or damage to your premises.
• Equipment, contents and stock – to reinstate your items and belongings.
• Business interruption – to keep finances running when disaster strikes.
• Business legal expenses – to cover the cost of legal expenses or defending your business against legal action.
• Cyber liability – to protect against data breaches, cyber-attacks, and other online risks.
• Directors and officers – can provide coverage for claims of mismanagement, breach of fiduciary duty and discrimination.

More information

The cost of nursery insurance can depend on a number of things, including the scale of your business, the level of cover you require, and the other risks associated with the care industry.

It’s important to speak with an insurance advisor to get an accurate estimate of the cost of insurance for your nursery or playgroup. At Premierline, we can help you understand the different factors that may affect the cost of insurance and provide you with a customised insurance policy that meets your unique needs and budget.

Our team of dedicated insurance experts understands the intricacies of the nursery industry. We work closely with you to assess your unique risks and develop a comprehensive insurance plan that covers everything from property and liability protection to business interruption and equipment coverage. With Premierline, you can have confidence knowing that your nursery is well-protected against unforeseen circumstances that could disrupt your operations or put your financial stability at risk.

We understand that running a nursery is a demanding job, so we aim to make the insurance process as smooth and hassle-free as possible. Our friendly and knowledgeable team is always here to answer your questions and provide guidance.

At Premierline, we can arrange business insurance for various businesses within the care industry. There are many different types of nursery businesses, each with its own unique set of needs and insurance requirements. Here are a few examples of different types of practices we can work with:

Day nurseries, pre-schools or playgroups, forest schools, nursery schools, private nurseries, community nurseries and crèches.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.