Childcare Insurance

Public Liability Insurance is essential for childcare centres, protecting your business if a child, parent, or visitor is accidentally injured on your premises, or if their property is damaged due to your operations. It covers legal costs and compensation claims, giving you financial protection and peace of mind while you focus on providing a safe and caring environment.

Professional Indemnity Insurance protects childcare professionals from potential claims of negligence, mistakes, or oversights in their work. It ensures financial and legal protection, allowing them to focus on providing quality care with confidence.

Sexual Abuse Cover provides critical protection for childcare providers against claims alleging abuse or misconduct by employees, volunteers, or representatives. This insurance helps cover legal defence costs, settlements, and compensation payments arising from such claims. It also demonstrates your commitment to safeguarding children and maintaining a safe, professional environment within your childcare business

Theft Insurance within a Business Package protects your childcare centre’s contents, equipment, and stock against loss or damage caused by burglary or attempted theft. This cover helps your business recover quickly by replacing stolen items and minimising downtime so you can continue providing care without major disruption.

Covers the management team against claims for mismanagement, including wrongful acts, employment practices, and statutory liability.

Business Interruption Insurance helps protect your childcare centre’s income if an unexpected event—like fire, storm damage, or another insured incident—forces you to close or reduce operations. It covers lost revenue, ongoing expenses, and temporary relocation costs, ensuring your business can recover smoothly and continue providing care without long-term financial strain.

Machinery Breakdown Insurance covers the cost of repairing or replacing essential equipment in your childcare centre if it breaks down unexpectedly. This includes items like air conditioning, refrigeration, or kitchen appliances that are vital to daily operations. The cover helps minimise disruption, ensuring your centre can continue running safely and comfortably for staff and children.

Electronic Equipment Breakdown Insurance protects your childcare centre’s vital electronic devices such as computers, security systems, tablets, and office equipment against sudden and accidental mechanical or electrical failure. It covers repair or replacement costs, helping you avoid downtime and ensuring your business continues to operate smoothly and efficiently.

Personal Accident Insurance provides financial protection if a child in your care is accidentally injured while attending your childcare centre or participating in an approved activity. It helps cover medical expenses, ambulance costs, and other out-of-pocket expenses, ensuring families receive support and your childcare centre can continue to operate with trust and peace of mind.

Workers Compensation Insurance is a mandatory cover that protects your childcare centre’s employees if they suffer a work-related injury or illness. It helps cover medical expenses, rehabilitation, and lost wages during recovery, ensuring your staff are supported while also keeping your business compliant with state or territory legal requirements.

Business Vehicle Insurance protects vehicles used for your childcare centre—such as buses, vans, or cars—against damage, theft, or accidents. It can also cover third-party property damage, ensuring your business stays mobile and your transport operations, like school runs or excursions, can continue without costly interruptions.