Why do I need childminding insurance?
Childcare is a challenging yet rewarding industry to be a part of. However, when it comes to caring for other people's children it's vital that you're taking every possible precaution.
That's where business insurance comes in.
Children are unpredictable so it's important that you're well prepared should something go wrong. What would you do if a child tripped over a piece of play equipment you've laid out on the floor for them? Or if they decide to take a bite out of a new toy and choke on a broken piece? Or, what if a parent trips over some toys still on the floor at pickup?
In these cases, you’d be responsible for paying out the compensation on any claims. That's where your business insurance will help to cover the cost.
Public liability insurance for childminders
Public liability insurance is the main cover that you should invest in as a childminder.
Public liability protects you from claims of third-party injury to damage to their property. For a childminder, the main aspect you'll be focused on is injury. Children are curious, and often getting up to all sorts of trouble that they shouldn't be - which can result in clumsy slips and trips or the occasional injury.
With AXA, you'll be covered for a minimum of £1 million, with the option to increase your cover level up to £10 million. So, don't risk it - get public liability insurance today and have peace of mind that the little ones in your care are well covered.
Is public liability a legal requirement?
No, public liability isn't required by law. However, it is an entry requirement for most recognised childminding agencies in the UK. This is because keeping children safe is at the forefront of your work, and having cover in place gives a childminding agency confidence in your commitment to your work and the kids you care for.
What other covers can I get with public liability?
While you can purchase public liability as a standalone cover, you can also package it with other covers to create a comprehensive policy built specifically for your needs. With public liability, you can also add the following covers.
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- Contents insurance because accidents can happen anytime, anywhere - especially with little ones running around. Wherever your childminding services are offered from, protect the the vital contents of your business – such as toys and equipment – from accidental damage, loss, or theft.
- Business interruption insurance is an add on cover that you may want to consider when you're building your policy package. It protects you when your business can't operate due to an unexpected circumstance outside your control - for example a fire, flood, or storm damage. This is important for childminder since your business relies on your having a safe and functional place to work from.
What type of claims situations am I covered for?
The kind of claim you're covered for is going to depend on the cover you choose. Below are a few examples of the types of claim you'd be covered for the different covers.
Public liability claims
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A child falls off a piece of play equipment - like a plastic slide - and gets a few nasty cuts and bruises
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A child takes an allergic reaction to something you've fed them for lunch
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A parent is picking up their kids at the end of a session and trips some loose steps at the front of your building
With public liability insurance, you’ll get help to cover the cost of paying out any compensation due from claims like these where someone has gotten accidentally injured.
Contents claims
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A child is having a little too much fun during an outdoor activity and ends up breaking a window at your property
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Some bad weather overnight has damaged the front signage for your business
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One of the kids in your cares wants to be an artist, and has used your walls as a canvas
With contents insurance, you’ll get help to cover the cost of replacing anything that has been stolen, lost or damaged after a claim.
Contents interruption claims
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Over the winter there have been some bad storms, leading to room damage for your building that's letting too much water to keep your business open
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Your gas supplier was due to fit you with a new boiler at your premises, but have damage a pipe during installation that requires extra time to fix
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Your premises has been vandalised by fire and graffiti during the hours it was closed
With business interruption insurance, you’ll get help to cover the cost of any lost income due to your business being closed due to unforeseen circumstances.
There are just some of the types of scenarios you would be covered for with business insurance.
How much is business insurance for childminders?
A business insurance policy is as unique as a business - everyone is different and caters to your specific needs. Depending on the size of your business, the covers you choose and the level of cover you need, your price will change.
However, AXA customers page prices from £82* a year for business insurance.
The best way to understand what you'll pay to get a quote online. Ready to get started?
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