Early childcare insurance

Property insurance insures a company's physical assets against accidental loss or damage. It provides protection for your buildings, plant and contents.

Business interruption insurance can minimise the financial impact on your early childcare business, if an interruption to normal operations occurs after a physical loss of business assets. This type of protection is designed to help you carry on through the event and after the damage has been repaired.

Child Proof includes cover for a range of management liability and general liability risks, protecting you against claims made by third parties.

Management liability insurance includes:

• General Liability
• Employer's liability 
• Statutory liability 
• Directors and officers liability
• Trustees liability 
• Employment disputes
• Criminal defence costs

Cyber insurance protection helps your early childcare centre manage and recover from a cyber event such as a virus, ransomware, or malware infection, data loss, and privacy breaches. 

Some of our additional business cover options and benefits include:  

• Commercial motor vehicle cover 
• Health and safety risk solutions 
• Competitive premiums for landlords of childcare businesses  
• Competitive premiums for Early Childhood Council members 

To learn more about childcare business insurance, or to discuss a tailored kindergarten or preschool insurance plan to suit your organisation’s unique needs, speak to a broker.

• Make a property claim online
• If your claim is urgent or you would like to talk to a claims specialist call us on 0800 252 461 

In case of damage:

• Take steps to make the area safe
• Take steps to prevent further damage
• Take photos of the damage
• For water damage to carpet, call Chemdry on 0800CHEMDRY and let them know you are insured by Vero through your Gallagher broker

In case of theft or loss of property, the insurer will require: 

• Proof of ownership
• Police report or file number
• Quote to replace with like-for-like item 

This information can be compiled and submitted within your online claim form or supplied separately after reporting your childcare insurance claim.

• Make a motor claim online
• If your claim is urgent phone 0800 837 648 and quote your policy number 'ECC...'
• To claim for a windscreen repair you do not need to complete a claim form. Read more about arranging a windscreen repair.

• Make a liability claim online
• For urgent out-of-hours assistance phone 0800 276 624

It's important that you do not make any admission of liability, as this might impact your claim.

If an employment issue arises that may lead to a claim, please notify us on 0800 252 461. 

It is a condition of the liability insurance policy that you must seek advice from an Employment Law Specialist before any action is taken. Failure to do so may result in a claim not being covered. Employment issues encompass performance and competency concerns, disciplinary and misconduct matters, dismissals, and allegations of harassment.

The Early Childhood Council offers a free employment law helpline for its members, available on 0800 742 742, and is an accepted alternative to law practitioners as the first point of contact.

• Access policy wordings and terms here  by entering the policy code found on your childcare insurance schedule.
• If your policy is not listed, please contact our Early Childhood Business Specialists.