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Children's Nurseries Insurance

Creating a safe, nurturing and stimulating environment is the aim of every nursery. But it has to be a safe space for everyone, and that’s where nursery insurance can help. Knowing that you have the right level of nursery business insurance means you can focus on the important things – giving children the best possible start on their life journey.

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At Park Insurance, we offer insurance that will protect you, your clients, and your business at an affordable price.


What is nursery insurance?

Nursery business insurance is designed to cover your financial investments in the event of any issues. To operate any type of nursery in the UK, you will need to have appropriate coverage, although the only legal requirement is Employer's Liability Insurance if you employ staff.

Your insurance portfolio can include specialist building and contents insurance, as well as personal cover that ensures you are not out of pocket if you cannot operate your nursery due to flood damage or fire. Having a comprehensive insurance portfolio also reassures your clients that their children are in safe hands.

What type of businesses does nursery insurance protect?

  • Nurseries
  • Private day nurseries
  • Kindergartens
  • Playgroups
  • Pre-schools
  • Montessori schools
  • Breakfast and teatime clubs

What insurance do I need as a nursery owner?

There are several policy types to consider when running a nursery. You can spend as much, or as little as you want, but our recommendations for a standard portfolio include:

  • Public liability - Covers your legal costs and any compensation claim if a member of the public (including children and parents) is injured or their property is damaged while at the nursery. This can include covering your staff for administering non-prescribed medication, allergic reactions caused by mislabeled food, and injuries resulting from activities and play.
  • Employer's liability - This is a legal requirement if you employ any staff members, including family members and part-time workers.
  • Professional indemnity - Covers you personally if your professional advice is found to be incorrect.
  • Commercial property insurance – This covers your premises in the event of fire, flood or theft. It can also include all your contents.
  • Cover away from the nursery - If you plan to take the children away from the premises, such as a trip to a petting zoo, ensure your insurance package includes cover away from the business address.
  • Loss of Registration insurance and Business Interruption insurance - If your business is forced to close for an extended period, this insurance will cover agreed-upon costs.
  • Personal Accident cover – If your business relies on you to operate successfully, personal accident cover gives you peace of mind that you'll be financially compensated if you have an accident and can't work.

How much does children's nursery insurance cost?

The cost of your nursery business insurance will depend on the level of cover you invest in. The greater your cover, the higher your premiums. However, it could cost you a lot more if you don’t have the right nursery insurance in place.

Why choose Park Insurance?

For over 30 years, Park Insurance has been providing specialist insurance policies for a wide range of customers. Our position as a preferred broker with some of the UK's largest insurance providers means we can find you a better deal at a more competitive price, giving you peace of mind and putting money back in your pocket.

To find out more about, call our team and talk to one of our expert advisors today, or click on the Get A Quote button for a free, no-obligation quote right now.

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Give us a call on 0117 301 8507 or click on the button below and we will be happy to contact you to discuss your needs.

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Park Insurance Services Ltd
323 Church Road
St George
Bristol
BS5 8AA

Tel: 0117 955 6835

Email: info@parkinsurance.co.uk

Park Insurance Services Limited is authorised and regulated by the Financial Conduct Authority under FRN 998383. You may check this on the Financial Services Register by visiting the FCA website. Park Insurance Services Limited is registered in England and Wales (company number 13091532). Registered address: 323 Church Road, St. George, Bristol, England, BS5 8AA.