Childrens’ Nursery Insurance to protect your business and the children you care for

Childrens' Nursery Insurace / Day Nursery Insurance / Nursery School Insurance / School Insurance / Playgroup Insurance

Comprehensive insurance  for nurseries, schools and playgroups incorporating all the necessary covers under the one policy.

Nursery insurance is essential, to cover your business both legally and financially in the event that there is an accident or damage at your nursery. We provide you with independent impartial advice to help you ensure that your have adequate cover.

The cover provided by your nursery insurance policy can include:-

• Nursery Buildings insurance
• Nursery Contents insurance
• Loss of revenue following damage to your nursery premises
• Loss of revenue following infestation or defective sanitation at your nursery
• Money Cover
• Glass cover
• Personal Accident Cover for staff and children at your nursery
• Computer breakdown
• Employers Liability (a legal requirement if you employ staff)
• Public Liability including abuse cover
• Products Liability including cover for food poisoning
• Malpractice cover including the administration of drugs
• Governors and Trustee Indemnity Insurance
• After School Club Insurance
• Holiday Club Insurance
• Minibus Insurance for Nurseries
• Cover also available for dance, arts and music schools
• 24 hour help lines for legal matter, emergency repairs and confidential counselling
  

Why choose L. F. E. Insurance Services Ltd for your day nursery Insurance?

• Independent impartial advice and quotations on your nursery insurance
• One point of contact to get quotations from Chartis, Ecclesiastical, Pound Gates (Aviva), Morton Michel and other leading nursery insurers
• Competitive premiums for your property from a wide range of leading nursery insurers
• Nursery Insurance Cover can be tailored to your individual needs
• Monthly payment facility
• Independent advice and help on your nursery  claims

Ring Helen today on 0116 284 6091 for independent impartial insurance advice and a quotation on your nursery insurance requirements

or

For  a bespoke quotation click here.

Guidance Notes, Leaflets and useful information:
Notes for Guidance

Buildings
The sum insured that you select for your nursery buildings  should represent the cost of rebuilding the nusery premises, plus debris removal and professional fees. If you have recently had a mortgage survey, it may state on it the recommended rebuilding sum insured.  If you have not had a recent rebuilding valuation It is  recommended to take professional advice in this regard, to ensure that you are not underinsured.

Contents
The sum insured on should be sufficient to replace all the contents AS NEW.  An inventory can be very useful in this respect but remember that an inventory produced for the purpose of buying or selling a business only shows a market valuation and not the replacement cost.  It is recommended that you update this with the cost of replacing the items with new items, to gain an estimate of the correct sum insured

Business Interruption
When considering the Indemnity Period you should reflect on how long it would take to reinstate the property after a major loss and then how long it will take to get the nursery up to the level of business you were enjoying before the loss.
For nurseries, because of the nature of the business we recommend an indemnity period of at least 24 months.  For example, if you had a fire in the premises and it took 12 months to get planning permission, rebuild the nursery and pass building regulations.  If you re-opened after 12 months the nursery  would not be enjoying the same level of revenue as before the fire as many of the children attending the nursery would have found alternative facilities. It would then  take you some time to increase the number of service users of the nursery  to the level you had prior to the loss.
Nursery Insurance Leaflet