Childcare Insurance Broker Australia
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Insurance for childcare centres, early learning providers, and family day care.
We work with childcare providers across Australia to arrange tailored insurance that meets ACECQA requirements and state regulatory standards.
Childcare insurance is designed to protect early learning providers from the unique risks involved in caring for children. From day care centres and family day care homes to preschools and after-school programs, childcare services face complex legal, regulatory, and operational exposures every day.
A comprehensive childcare insurance policy can help safeguard your business against claims, accidents, and unexpected events that may arise during normal operations. Coverage commonly includes public liability, professional indemnity, workers compensation, property damage, and business interruption, ensuring your centre is protected both on-site and off-site.
Having the right insurance in place not only supports compliance with Australian childcare regulations but also provides peace of mind for owners, educators, and families. With tailored childcare insurance, providers can focus on delivering quality care while protecting the long-term stability and financial health of their business.
Childcare Insurance Covers we can offer
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.
Fire Insurance which is a section within a Business Insurance Package policy helps protect your childcare centre’s building, contents, furniture, equipment, and stock from loss or damage caused by fire, smoke, or related perils.
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.
Every Type of Childcare Set-Up, Properly Insured
Whether you run a long day care centre, a family day care from your home, or an after school program, we arrange tailored insurance that fits your exact operation.
Your Dedicated Child Care Insurance Broker
Charlene Asaris
Senior Insurance Broker — Business, Liability & Corporate Programs
EXPERIENCE
8+ years in insurance broking
LOCATION
Melbourne, Victoria
What does childcare insurance cover?
Public liability insurance for childcare centres
Premises, excursions & day-to-day operations
Public liability insurance is a core component of any childcare insurance package. It covers claims if a child, parent, or visitor suffers injury or property damage at your centre — responding to accidents on premises, during excursions, and throughout daily operations. The policy covers legal defence costs and any compensation awarded.
This cover can respond to claims arising from accidents in activity areas, playground incidents, excursion injuries, and incidents linked to your centre's day-to-day operations.
During playtime, a drink is spilled in an activity area. A young child slips on the wet surface and sustains a broken arm requiring medical treatment. The parents make a claim against the centre alleging failure to maintain a safe environment. Public liability responds to medical expenses, legal costs, and compensation.
Professional indemnity insurance for childcare centres
Negligence, errors & omissions in care
Professional indemnity insurance protects childcare centres against claims alleging negligence, errors, or omissions in the professional care or supervision of children. This cover is particularly important where centres are responsible for following care plans, medical instructions, or regulatory requirements.
It covers the legal costs of defending a claim and any compensation awarded — whether or not the allegation of negligence is ultimately upheld.
Parents enrol their child with Type 1 diabetes and provide clear medical instructions including scheduled blood glucose checks. A staff member misses the scheduled check, resulting in the child experiencing a hypoglycaemic episode requiring hospital treatment. Parents allege negligence and lodge a professional indemnity claim seeking compensation for medical costs and emotional distress.
Management liability insurance for childcare centres
Directors, owners & governance decisions
Management liability insurance protects directors, owners, and managers of childcare centres against claims related to management decisions, employment practices, and regulatory compliance. It can help safeguard decision-makers from personal financial exposure arising from workplace or governance-related claims.
This cover is often overlooked by childcare operators but is increasingly important as regulatory oversight of the sector intensifies.
A childcare centre reduces staffing levels to manage costs without fully assessing the impact on supervision requirements. Inadequate supervision leads to multiple incidents including a serious playground injury. Parents allege mismanagement and failure to meet duty of care obligations. Management liability responds to claims involving directors' and officers' responsibilities.
Occurrence vs Claims-MadePublic Liability; What's the Difference?
For childcare centres, choosing the wrong policy structure can leave you completely unprotected. Here’s what you need to know before your next renewal.
The layers of cover a childcare centre needs
A comprehensive childcare insurance package is not a single policy — it is a structured set of covers that protect different aspects of your operation. Each layer addresses a specific risk. Here is how they stack together to give your centre complete protection.
We shop the market so you don't have to
We have access to Australia's leading childcare insurers including specialist underwriters you cannot access by going direct. This means more options, more competitive pricing, and cover designed specifically for the risks childcare centres face.
How Morgan Insurance Brokers Support Childcare Centres Across Australia
Morgan Insurance Brokers specialises in childcare insurance solutions tailored to the unique risks faced by early learning centres, day care services, and family day care providers across Australia.
We work closely with childcare operators to assess their specific exposures and arrange insurance cover that aligns with regulatory requirements, operational needs, and long-term business goals. From public liability and professional indemnity to workers compensation and management liability, our team ensures your centre is properly protected.
With access to specialist insurers and ongoing claims support, we help childcare providers secure reliable cover with confidence — so you can focus on delivering quality care while safeguarding your business.
Get tailored childcare insurance advice from a specialist broker
Frequently Asked Questions about Child Care Insurance
Childcare centres in Australia typically require a combination of mandatory and recommended insurance policies to operate safely and compliantly. These usually include public liability insurance, professional indemnity insurance, workers compensation, and management liability insurance.
You may also consider cyber insurance, property insurance, and business interruption cover to protect against data breaches, property damage, or unexpected closures.
Yes. Public liability insurance is considered essential for childcare centres and is often required by regulators, landlords, and licensing authorities. It protects your centre if a child, parent, or visitor is injured on your premises or suffers property damage due to your operations.
Coverage typically includes legal defence costs and compensation payouts, helping protect your centre’s financial stability.
Professional indemnity insurance covers claims arising from alleged negligence, errors, or breaches of duty related to the care, supervision, or education of children.
This can include incidents such as supervision errors, incorrect advice to parents, or failure to meet professional standards expected of childcare providers.
Yes. Workers compensation insurance is legally required in every Australian state and territory if you employ staff. It covers medical expenses, lost wages, and rehabilitation costs if an employee is injured or becomes ill due to their work.
This is particularly important in childcare environments where staff are exposed to physical strain, lifting injuries, and workplace incidents.
The cost of childcare insurance depends on factors such as:
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Number of children enrolled
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Staff size
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Centre location
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Claims history
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Types of cover required
Most childcare centres pay from a few thousand dollars per year, depending on their risk profile. A tailored insurance package ensures you’re not overpaying or underinsured.
Reach out to us today to get a quote.
Many specialist childcare insurance policies can include abuse and molestation cover, which protects your centre against allegations of misconduct involving children.
This coverage is critical for early learning services and should be arranged carefully with an experienced insurance broker to ensure appropriate limits and conditions.
Management liability insurance protects directors, owners, and managers against claims related to employment practices, regulatory breaches, or management decisions.
This can include claims such as unfair dismissal, workplace bullying allegations, or compliance investigations.
Childcare insurance policies can be complex and vary significantly between insurers. A specialist broker helps:
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Identify coverage gaps
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Negotiate competitive premiums
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Ensure compliance with childcare regulations
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Provide claims support when it matters most
Using a broker ensures your centre receives appropriate protection tailored to your specific risks.
Yes. Many childcare centres choose a combined insurance package that bundles multiple covers into a single, streamlined policy. This can simplify administration and may reduce overall costs.
Morgan Insurance Brokers can structure a package to include public liability, professional indemnity, property, and management liability insurance under one solution
Call us now to speak with aSpecialist Child Care Insurance Broker
admin@morganinsurancebrokers.com.au
1300109778
