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Business Insurance for Nurseries

If reducing costs and finding the most competitive insurer is important to you then we can help. With more then 30yrs experience as commercial insurance brokers Nurseryplan are best placed to find cover that is ideal for you at the best possible price, as whole of the market brokers no stone is left unturned. Send your contact details to enquires@nurseryplan.co.uk and we will contact you.

Accident & Sickness Insurance for Nursery Owners & Managers

A benefit of up to 50% of a person’s income or £1,500 per month, whichever is the lesser, for up to 12 months, tax free. We offer protection that’s flexible with no ‘tie in’period and various excesses. Benefits are payable if you are off work due to accident or sickness for more than 30 days, from day one.

A useful way of covering the cost of temporary staff.

Introduce a parent

When you introduce a parent to Nurseryplan we will send you a £20 gift voucher for resources, we can provide you with leaflets to issue to parents. When parents arrange cover online, send us an email with their name and postcode and we will send a gift voucher to you (applies to each parent).

Redundancy, Accident and Sickness insurance for Parents

When parents are faced with involuntary redundancy, accident & sickness you could potentially lose customers and parents lose their childcare place. With protection you keep a customer, parents keep their childcare and children continue to benefit from the education and social development you offer.

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What to Look for in a Good Nursery School Insurance Policy

If you are running a busy nursery school, dealing with selecting the appropriate insurance is probably near the bottom of your to do list.

If you are trying to save time and money, the temptation is to only arrange the types of insurance, such as public liability, that you absolutely must have to comply with legal requirements.

Additional insurance cover to protect income loss through accident, sickness or unemployment amongst you or your staff might seem like an additional extra. But if you are a nursery school owner or manager, it could pay to ask yourself the following questions:

If you, your fellow directors or any of your staff were unable to work because of an accident or illness, how would your business profits be affected? Could you continue to provide the level of child care to which your parents are accustomed? Could your reputation be put at risk?
If you were absent for more than a few days, would you have to pay someone to deputise for you? Where would you find the extra money to pay someone else to manage your nursery school? How would you feel about leaving your nursery school in the hands of someone else to run?
Would your staff feel more secure if they had income protection insurance? Would they feel more valued? Staff benefits present excellent bonuses for business owners in terms of loyalty and can often boost staff morale.
If parents lost their jobs or had to take sick leave, would they take their children out of your nursery school because they would no longer able to afford the fees? How would that affect your business? Would you like to be able to offer them protection so that they could maintain their childcare if they were out of work for whatever reason?

There is a range of insurance policies available to suit nursery schools; here are just two suggestions as to what to look for when choosing nurseryschool insurance:

Choose a specialist nursery school insurance company

Dealing with a well-established company that specialises in providing insurance for nursery schools means their policies will be carefully tailored to benefit nurseries, childminders and parents of pre-school children.

Individual and group options

If you want to encourage parents to protect their incomes so they won’t have a problem paying nursery school fees, it might be worth considering a group scheme. You should seek independent advice on these options.

The best thing about finding a good nursery school insurance policy is that once you have it, you can forget about it. But the peace of mind that comes with knowing that it is there should you ever need to make a claim is invaluable. It may make a significant difference to your business and to its future, and to the welfare of the children in your care.