Specialist Insurance

Nursery Insurance

Comprehensive protection for nurseries, childcare facilities, and early years settings. From small home-based nurseries to large childcare centres, we arrange tailored cover to protect children, staff, premises, and your business.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Nursery Insurance Cover?

Nursery insurance combines multiple covers to protect your childcare business. Typical coverage includes:

Buildings Insurance

Protection for your nursery premises against fire, flood, storm, and other insured perils.

Contents & Equipment

Cover for furniture, toys, educational equipment, and other contents.

Child Safety Liability

Protection if a child is injured at your nursery – typically £5m-£10m cover.

Employers' Liability

Legally required cover for staff injured at work – typically £10m minimum.

Professional Indemnity

Protection against claims of professional negligence in childcare.

Abuse & Molestation

Optional cover for allegations of abuse or molestation by staff.

Business Interruption

Replacement of lost gross profit if you cannot operate due to an insured event.

Money Cover

Protection for cash on premises, fees in transit, and overnight safes.

Directors & Officers

Personal liability protection for nursery owners and managers.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Childcare Expertise

Over 10 years arranging insurance for nurseries and early years settings.

Tailored Cover

Policies matched to your specific nursery type, size, and operational model.

Claims Support

Dedicated support to help you through the claims process and minimise disruption.

Market Access

Access to specialist childcare insurers offering premiums suited to your risk profile.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Nursery owners and operators
Childcare centre managers
Home-based childminders
Early years settings
Nurseries with multiple staff
Businesses providing additional services

What We'll Need for Your Quote

1
Nursery address and postcode
2
Type of nursery (private, community, school-based, etc)
3
Number of children cared for
4
Age range of children
5
Number of staff employed
6
Annual turnover or revenue
7
Qualifications of staff
8
Safeguarding policies in place
9
Any previous claims history

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Frequently Asked Questions

What is child safety liability?

Child safety liability protects you against claims from children injured at your nursery. This includes injuries from accidents, falls, or incidents.

Is abuse cover included?

Abuse and molestation cover is optional. It protects you against allegations of abuse or molestation by staff members.

Do I need professional indemnity cover?

Yes, professional indemnity is highly recommended. It protects you against claims of professional negligence in childcare.

What safeguarding measures are required?

Most insurers require DBS checks for staff, safeguarding policies, and appropriate supervision ratios. We can advise on best practices.

How much liability cover do I need?

Most nurseries carry £5m-£10m child safety liability cover. We will recommend appropriate limits based on your child numbers.

Are staff covered for injuries?

Yes, staff are covered under employers liability. You should have appropriate health and safety policies in place.

Is business interruption cover essential?

Yes, business interruption cover is highly recommended. It protects your income if you cannot operate due to fire, flood, or closure orders.

What about food allergies and dietary requirements?

You should have clear policies for managing food allergies and dietary requirements. This helps protect against claims.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.