Childcare Insurance

Public Liability Insurance is one of the most critical policies for any childcare provider.

It covers claims for third-party bodily injury or property damage arising from your business operations, such as a child injured on play equipment or a parent slipping at drop-off.

Most licensing and regulatory bodies across Australia require childcare services to hold a minimum level of Public Liability cover.

It is also commonly required by landlords, councils and parent committees before a service can operate.

Professional Indemnity Insurance protects your service against claims alleging negligence, errors or a breach of your professional duty of care.

In the childcare sector this could include claims relating to supervision, the handling of a medical event, or the management of allergies and dietary requirements.

Given the duty of care obligations childcare operators hold, even an unfounded allegation can generate significant legal costs.

Management Liability Insurance covers directors, committee members and managers against claims of wrongful acts in managing the organisation.

It also responds to exposures such as employment practices disputes and regulatory investigations.

It is particularly relevant for committee-run kindergartens and not-for-profit services where volunteers hold governance roles.

Contents and Equipment cover protects your furniture, play equipment, educational resources and technology against events such as fire, storm and theft.

Business Interruption Insurance can replace lost fee income if an insured event forces your service to close.

This helps you keep paying rent, wages and other fixed costs while repairs are carried out.

Childcare providers hold sensitive information about children and families, from medical details to custody arrangements, often in cloud-based enrolment and CCS systems.

Cyber Insurance can respond to data breaches, ransomware and the costs of notification and recovery.

As more of the sector’s records move online, this cover is becoming an increasingly standard part of a childcare insurance program.