Hit enter to search or ESC to close



Early childhood business insurance

Children playing with blocks

Early childcare insurance solutions

We've been working with the early childcare sector for over twenty years, and currently arrange insurance cover for more than 2000 childcare centres, kindergartens and playcentres. 

We offer flexible insurance solutions to cover the diverse risks associated with managing early childcare centres and businesses. We work with: 

  • early childcare centres
  • pre-schools 
  • kindergartens 
  • out of school care for children 
  • recreation programmes for children 
  • home-based child care 

Child Proof insurance

Child Proof is an insurance package specifically designed by Gallagher (formerly Crombie Lockwood) for early childcare businesses. It provides cover for liability, business interruption and property risks, with additional options and benefits available. 



Insurance for:

  • Buildings 
  • Plant
  • Stock  
  • Replacement of electronic items up to 10 years old

Business interruption insurance

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 business insurance is designed to help you carry on through the event and after the damage has been repaired.

Liability insurance

Child Proof business insurance includes cover for a  range of management liability risks.

Management liability insurance solutions can protect your business and assets if a director or manager conducts illegal or unethical practices that result in losses.

Management liability insurance includes directors’ and officers’ liability, statutory liability, trustees liability and employment disputes cover. Criminal defence costs are also included.

Read more: 

Cyber insurance

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

Additional options and benefits

Some of our additional cover options and benefits include:  

To find out about business insurance solutions for your childcare business ,speak to a broker. 

Early childhood teacher reading a book

Contact us

For more information about our childcare insurance package options, or to request a quote for your early childhood business, please contact a broker.

Get a quote

Contact the team


Property claims

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 insurance claim.

Motor claims

Liability insurance claims

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

For employment disputes please follow the procedure below and contact our claims department on 0800 252 461 to advise of any situation that could potentially lead to a staff grievance.

Employment disputes

Where an employment issue arises that may lead to a claim you must notify us on 0800 252 461. 

It is a condition of the liability 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 include: performance and competency concerns; disciplinary and misconduct issues; dismissals; and harassment allegations.

The Early Childhood Council provides a free employment law helpline for their members 0800 742 742 and is an accepted first contact alternative to law practitioners.

Policy wordings