Childcare Insurance

Public liability insurance is vital for any childcare operation, as it offers crucial protection against claims related to bodily harm or property damage that third parties, such as children in care and their families, may experience due to the activities or conditions at the childcare provider’s location. This type of insurance is designed to safeguard childcare businesses from the financial repercussions that can arise from such incidents.

At a daycare facility, a juice spill in the activity room goes unattended as staff are temporarily distracted by another issue. A three-year-old child, playing nearby, slips on the spill and suffers a broken arm. The child is promptly taken to the hospital, and following this, the child’s parents initiate a legal claim against the daycare for failing to maintain a safe environment. They seek reimbursement for the medical costs, pain and suffering of the child, and additional compensation for emotional trauma and possible future healthcare needs related to the incident.

A professional indemnity claim in a childcare center arises from allegations that the facility has not upheld its professional responsibilities, resulting in harm or loss to a child or their family. Such claims are based on the premise that the childcare provider has breached their duty of care through negligence, errors, or omissions in their professional services.

Upon enrolling their child with Type 1 diabetes in a childcare center, parents provide detailed medical documentation emphasizing the necessity of regular blood sugar monitoring and timely insulin administration.

Despite these explicit instructions, one afternoon, a staff member overlooks the scheduled time for the child’s blood sugar check and insulin dose. As a result, the child suffers a hypoglycemic episode.

The child is treated with emergency glucose under the supervision of the childcare staff and is then taken to the hospital for further observation. Although the child recovers, the event causes considerable anxiety and distress for both the child and the parents.

Management liability insurance is an essential safeguard for childcare centers, offering comprehensive protection for the unique set of risks encountered by managers, directors, and officers within these institutions. This specialised form of insurance is designed to shield against the diverse liabilities that can emerge in the management of a childcare facility.