Protection against loss or damage to the assets of your business.

Features and Benefits

Cover includes:

• Buildings, including cover for subsidence.
• Contents and personal possessions, including the personal possessions of nursery children.
• All risks cover for contents and personal belongings anywhere in the UK, Isle of Man or Channel Islands – £2,500 any one item and £5,000 for any one claim.
• Contract works for repairs, alterations and extensions to existing buildings.
• Fixed and unfixed equipment, including play equipment, external lighting equipment and signs covered in the open, up to £20,000 in total in any one period of insurance.
• Costs for environmental improvements following insured damage, up to £500,000 in any one claim.
• Deterioration of frozen foods up to £5,000 for any one freezer and £20,000 in the aggregate.

Significant exclusions or limitations

• Wear and tear, mould and fungus or any gradually operating causes.
• Conditions apply when a building becomes unoccupied, some cover may be reduced.
• In respect of our buildings definition, the following are excluded: bridges, land piers, jetties, excavations and marquees. Also natural or artificial water courses, standing water such as dams, reservoirs, culverts, lakes, rivers or man-made elements attaching to or forming part of these.
• Theft of valuables unless there is a clear forcible and violent entry to or exit from the buildings.
• Excludes storm damage to property in the open.

Protection against your loss of revenue, or unnecessary additional expenditure, following a loss under the property damage section.

Features and benefits

Cover includes:

• Loss of revenue (including additional costs incurred to reduce the loss of revenue of your organisation) following damage insured under the Property Damage section.
• Prevention or restriction of access to your premises following murder, food poisoning, defective sanitation and vermin – up to £250,000.
• Prevention of access to your premises following damage to neighbouring property.
• Failure of utilities and/or telecommunications.
• Damage at premises, other than your own, where you are holding or participating in an event in the UK, Isle of Man or Channel Islands – £10,000 any one incident.
• Hiring of temporary staff following abuse allegation – up to £25,000 in one period of insurance.

Significant exclusions or limitations

• Losses excluded under the property damage section.
• If your business is wound up or carried on by a liquidator or receiver, or is permanently discontinued.

Public Liability and Employers’ Liability cover with a choice of indemnity limits (with a minimum for Employers’ Liability of £10,000,000) and a range of extensions as standard.

Features and benefits

• Cover for the administration of drugs, medicines (prescribed and non-prescribed) and first-aid.
• Overseas personal liability extension covering governors and employees.
• Corporate manslaughter defence costs up to £5,000,000 in any one period of insurance.
• Libel and slander and breach of intellectual property rights – covered up to £250,000 any one period of insurance.
• Additional clean-up costs extension up to £1,000,000 in any one period of insurance, for remediation of accidental pollution and contamination which you are ordered to make by a regulatory authority.
• Trustee liability extension – up to £100,000 in any one period of insurance.

Significant exclusions or limitation

• No public liability cover for any claim connected with asbestos or asbestos materials.

Protecting you against loss of your registration certificate, which occurs through no fault of your own.

Features and benefits

• The reduction in value of your interest in the premises or the business, as a result of non-renewal or withdrawal of your registration certificate from causes beyond your control.
• Protection for your loss of revenue whilst your registration is suspended from causes beyond your control.
• Policy limit of £100,000, with higher limits available on request and subject to an additional charge.

Significant exclusions or limitation

Incidents arising out of:

• Any town or county planning, improvement or redevelopment.
• Compulsory purchase or surrender.
• Reduction or redistribution of registration certificates.
• A change in the law.

Protection for legal costs and expenses arising from specified civil and criminal incidents in connection with your business. Standard limit £250,000.

Access to specialist crisis communication and public relations experts in the event of a crisis affecting your business. Standard limit £25,000.

Cover if you or a member of your staff are required to attend an interview under caution by the police, health & safety authority or other body with the power to prosecute. Standard limit £2,500.

Features and benefits

• Employment disputes and compensation awards – defending you in an employment dispute with an employee, ex-employee, prospective employee or trade union acting on their behalf arising from a breach or alleged breach of their contract or service with you and/or statutory rights under employment legislation.
• Tax protection – representation in appeal proceedings with the Inland Revenue in a full or aspect enquiry following your corporation tax self-assessment return and appeal proceedings with HM Customs and Excise in respect of Value Added Tax.
• Property protection – cover for disputes relating to material property which you own and is your responsibility.
• Compliance and regulation – defending you when dealing with the police or Health & Safety Executive or representing you following notice by your registration body to alter, suspend, revoke or refuse to renew your registration. The cover also includes legal advice and/or mediation to resolve issues arising from your opposition to the terms of an improvement action notice or welfare requirements notice.
• Employees’ extra protection – at your request, defending an employee in civil proceedings under legislation for unlawful discrimination, defending an employee as a trustee of a pension fund, or persuing a claim following an event causing an employee bodily injury.
• Contract and debt recovery – cover to negotiate disputes relating to a contract you have entered into with a customer or supplier for the purchase or sale of goods or service where the amount in dispute exceeds £200.
• Crisis communication – access to crisis communication and public relations experts 24 hours a day, 7 days a week following a ‘critical event’ affecting your business. This section will pay up to £25,000 towards the costs of the appointed advisors in helping you to manage the crisis and protect the reputation of your business.
• Legal defence – cover is provided from criminal investigations and/or enquiries or interviews under caution by the police, a health & safety authority or other body with the power to prosecute, where it is suspected that an offence may have been committed.

Please note that this section of cover is provided by ARAG. 

Significant exclusions or limitations

• In respect of civil proceedings and criminal prosecution claims, the cover is subject to the case having reasonable prospects of winning or making a successful defence, other than in respect of claims for employee disputes where insurers will take on such claims irrespective of the prospects of success.
• Any costs and expenses incurred before the written acceptance by us or the claims administrator of a claim.
• In respect of compensation awards, you must follow the advice of the legal helpline or the Advisory, Conciliation and Arbitration Scheme (ACAS) code of Disciplinary Practice and Procedures in Employment for cover to be effective.
• Redundancy or alleged redundancy or unfair selection for redundancy occurring during the first 180 days of this policy except where equivalent cover was in force up until the start date of this policy.
• Claims caused by your failure to register for Value Added Tax and any investigations by the Special Civil Investigations Office or Special Compliance Office of HM Revenue and Customs.
• Investigations by HM Customs into alleged dishonesty or criminal offences.
• Any claim relating to the settlement under an insurance policy.
• For contract disputes and debt recovery, a claim must be made within 90 days of the money becoming due.
• Under the Crisis Communications section, insurers will only pay costs associated with the ‘critical event’ as defined by the policy.
• Under the Legal Defence section, insurers will not pay legal costs and expenses in excess of £2,500 for representation at an interview under caution.

Protection against your civil liability arising from a negligent act or omission committed by you.

Features and benefits

• Cover for civil liability arising from a negligent act or omission, committed by you.
• Policy limit of £100,000 in the aggregate (higher limits are available for an additional charge).
• Cover for loss of documents – up to £250,000 in the period of insurance.

Significant exclusions or limitations

• No cover for any claims or circumstances which are known to you at the start of the insurance.

Damages and legal defence costs made against you (the director of officer of the insured), arising out of your legal liability in connection with a wrongful act committed in your capacity as director or officer of your company. We also include ‘Corporate liability’ which covers you in case a claim is made against your company, rather than against an individual director of officer.

Features and benefits

• Cover for civil liability arising from a negligent act or omission, committed by a director, officer or employee of the company.
• Policy limit of £25,000 in the aggregate (higher limits are available for an additional charge).
• Cover includes defence costs and expenses and investigation costs and expenses, subject to the policy limit which will be the maximum paid in total during any one period of insurance.

Significant exclusions or limitations

• No cover for any claims or circumstances which are known to you at the start of the insurance.
• Excludes dishonesty of an employee where previously there has been reasonable cause for suspicion of dishonesty by the employee in question.

Protection against loss of money belonging to your business.

Features and benefits

• £5,000 in transit, bank night safe, on the premises during business hours or in a locked safe outside of business hours.
• £500 for all other money.
• Includes Assault cover for injuries arising from robbery or hold-up whilst working for the business – £10,000 for injuries such as death or loss of limbs or eyes.
• Includes fraud and identity theft.

Significant exclusions or limitations

• Escort requirements are in place for transporting cash in excess of £3,000.
• Excludes fraudulent use of credit or debit cards by you or your representatives.
• Identity theft costs must be agreed by insurers in advance.

Cover for accidental bodily injury to you, your permanent employees, governors and volunteers.

Features and benefits

• Cover applies for injury caused or suffered during the course of employment.
• Up to £50,000 for death and capital benefits.
• Up to £500 per week for temporary total disablement.
• Up to £250 per week for temporary partial disablement.

Significant exclusions or limitations

• No cover for travel to a destination which the Foreign and Commonwealth Office (FCO) has advised against before the journey commences.
• Sickness, disease or any gradually operating cause.
• Suicide, attempted suicide or deliberate exposure to danger.
• Pregnancy or childbirth.
• Flying, except as a fare-paying passenger.

Protection against losses caused directly by theft, fraud or dishonesty of your employees.

Features and benefits

• Policy limit of £25,000
• Includes cover for pension fund trustees

Significant exclusions or limitations

• Cover is subject to you complying with minimum standards of control in respect of supervision, accounting procedures and checking the security of money or goods.

Breakdown cover for a range of equipment including lifts, boilers and air conditioning systems.

Features and benefits

• Up to £5,000,000 in any one period for all claims.
• Up to £500,000 for any one accident for computer equipment at your premises.
• Up to £5,000 for any one accident to portable computer equipment anywhere in the world.

Significant exclusions or limitations

• Equipment breakdown will not include items which are covered under any maintenance agreement, warranty or guarantee.

Supporting your business and your staff.

Legal and tax advice

• Legal advice available 24 hours a day, 7 days a week.
• Tax advice available between 9am and 5pm on weekdays (except bank holidays).

Legal services website

• Free access to hundreds of legal templates allowing you to create your own documents.
• Online guides to help your business with everything from contracts and settlement agreements to leases and health & safety statements.

Legal representation

• If you or a member of staff has been asked to attend a police interview under caution, in relation to a child who has been under your care, we can arrange for a solicitor to represent you.

Redundancy approval

• We can arrange specialist advice if you are planning redundancies (this is a paid-for service).

24-hour crisis communication helpline

• Advice from crisis communication, public relations and media experts in the event of a crisis affecting your business.

24-hour counselling assistance helpline

• Totally confidential service for you and your staff, available 24 hours a day, 365 days a year.
• Counsellors are available to provide support on any matter that is causing upset or anxiety, from stress to bereavement.

Risk management advice

Risk specialists are on hand between 9am and 5pm weekdays (excluding bank holidays) to advise you on a range of topics including:

• Property protection, security and business continuity planning.
• Health and safety, food safety and environment management.
• Construction safety, fire safety, occupational health, water safety or asbestos.

Emergency glass replacement

• If you suffer glass breakage you can call upon the services of specialist provider, who will affect a rapid repair.

Expert advice and guidance from us

• We are experts in the childcare sector and will be able to provide you with advice and guidance on any issues affecting your business from an insurance or risk management perspective.