Dave Beard

Expertly compared by Dave Beard

Products Updated June 4, 2018

Business Insurance for Nurseries

If you own or manage a child care nursery then you’ll need business insurance to protect you against any risk of claims in the event something happened. Our insurance experts can set up a policy that ensures you and the business are fully protected against all risks and future claims.

Our insurance experts can compare the market to find you the best deal on business insurance. Get a free quote and advice today:

4 providers expertly compared:

Simply Business

Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

Provider
Business Insurance

Products
Professional Indemnity, Public & Employers Liability Cover

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.8/ 5

All credit types

Simply Business is a broker that provides a wide range of business insurance cover. They specialise in small businesses and can advise, compare and arrange the right insurance products to ensure you are not only protected by get the best deal on the market.

4 providers expertly compared:

Available via broker only

Zurich

Provider
Zurich Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.6/ 5

All credit types

The right insurance package will give you the peace of mind to successfully grow your business. Zurich have an extensive suite of insurance products tailored to a wide range of small and SME businesses to ensure you have complete protection from all risks.

4 providers expertly compared:

AXA

Provider
AXA Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.7/ 5

All credit types

AXA business insurance can cover you and your business for every eventuality. Apply online today and save an extra 10% on your quote instantly.

4 providers expertly compared:

Hiscox

Provider
Hiscox Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.8/ 5

All credit types

Hiscox commercial business insurance provides a professional level of cover to protect every aspect of your business, from the premises to the people who work for you, and any legal matters that may arise from your day-to-day operations.

Read our customer and visitor reviews for this product:

Rating: 5 / 5 with 1 votes

Recieved quotes as promised.

by Clear Eye Wear Limited

Happy with the process and quotes. Simple to use and back up with a phone call. No pressure to buy, which was reassuring.

About Business Insurance for Nurseries

Your nursery will offer a very valuable service to your customers as you care for and look after children on a daily basis so parents can go about their daily lives. However, running a nursery puts you in a very vulnerable position when it comes to the well-being of children.

Looking after children requires full attention, safety measures and the correct procedures to ensure that the children remain safe. However, issues can arise that can cause the children to come to harm and this leaves your business open to claims being made against you.

By choosing to have business insurance will set you up in the right way as it will ensure that you are protected from any claim made against your business. Children and busy, mischievous and adventurous which means that there is always a risk that an incident could occur. Any claim can damage your reputation and cause financial problems. So if you act negligently, offer wrong advice or a child comes to harm then you will have to defend these claims and even pay compensation.

Business Insurance for Childrens Nurseries

Business Insurance for Childrens Nurseries

Having business insurance will be of a huge benefit to you and your business because it will provide you with the protection that you need.

How Does It Work?

As a nursery your main priority is the safety of the children within your care. Parents leave their children with you in the hope that they have fun, learn and interact with others as part of their development. However, the risks that come with this are high and this leaves you exposed, this is why business insurance is crucial.

Professional indemnity insurance will protect you from claims made against you if you have acted negligently or offered advice that has resulted in financial loss or injury. You may give a child with a severe allergy the wrong food or you may offer advice to a parent that could cause harm. If a claim is made then you will have to defend your business and this comes with high costs. Therefore, professional indemnity insurance will deal with all costs allowing you to focus on the things that matter.

The environment in which the children learn and play is one that has to remain safe. This means that any dangerous equipment has to be locked away, plug sockets fitted with socket covers and even the right toys for the right age. If a child becomes injured because of a lack of care and attention, then a claim could be made against you. Perhaps a parent might trip over a loose floor tile while carrying their child or they could slip on a tiled floor after a child has spilled something- whatever the risk may be, the outcome could lead to a claim. This is where our public liability insurance will protect your business against claims and their financial implications.

The Features

Business insurance is an important tool and will provide you with these features:

  • All claims are covered – successful or not
  • A full assessment will take place before a payment is released
  • Business insurance will become a business critical tool
  • All costs associated with claims and compensation will be covered
  • Your business needs will be reflected in the cover
  • Costs associated with you attending court will be covered
  • Flexible payment plans

What Are the Benefits?

There are many benefits that come with business insurance:

  • You will meet any legal requirements and regulations
  • Focus on the needs of your business instead of worrying about defending claims
  • All costs will be covered through insurance cover
  • Advice and representation is available
  • Your customers will consider your business to be professional and caring with the cover in place

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