Nursery insurance
Join over 900k UK customers (including nurseries like yours) – we offer public liability cover from £4.74*
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why is playgroup insurance important?
In the baby room or supervising preschoolers – wherever childcare takes you, accidents, slip-ups, and unexpected events can hit hard. From public liability insurance for nurseries, built to support you through a costly injury or property damage claim, to employers’ liability cover for your staff, our insurance works to protect the invaluable work you do.
- nursery insurance, UK-based claims and customer service team
- rated 4.8/5 based on 39K+ public liability customer reviews
- peace of mind, letting you focus on the children, not the what-ifs
What does nursery school insurance cover?
From young babies to preschoolers preparing for reception, you know your children and sector best. So we put you in charge of your nursery insurance policy, providing options for different risks and priorities. Most nurseries, playgroups, and crèches start with public liability insurance and add other specific cover for their employees, equipment, legal fees, and personal accidents, depending on their nursery business set-up.
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Public liability insurance for nurseries
In case your nursery causes an injury or property damage.
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Employers’ liability insurance
In case anyone gets ill or injured while working for your nursery or playgroup.
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Business and office equipment insurance
In case something happens to your essential kit.
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Legal expenses insurance
In case you’re faced with legal costs from running your business.
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Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does nursery insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example nursery insurance quotes, real prices
£9.00 /month
£70.03 /year
Ofstead registered childminder with one employee
- 2-3 years’ experience
- Sole trader
- No employees
- Based in Liverpool
Public liability
£1,000,000
Employers’ liability
Not included
Contents & business equipment
Not included
£164.70 /month
£1,463.99 /year
Ofstead registered childminder, working in her own home
- 5+ years’ experience
- Limited company
- 1 employee
- Based in Exeter
Public liability
£5,000,000
Employers’ liability
£10,000,000
Contents & business equipment
£2,500
How we work out example quotes These examples are real quotes from our online system (created 13/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers’ liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
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Which type of workers do I need insurance for?
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Does nursery insurance cover my work correctly?
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Do I need cover for other types of work?
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Which public liability cover limit should I choose?
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
Call our team
How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having nursery or crèche insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
Ipek saved more than £51,000
Ipek (not her real name) received a call from one of her nursery staff, following an overnight break-in and arson incident. Three play rooms, a bathroom, flooring and play equipment were damaged, as well as multiple other items. The cover in Ipek’s nursery school insurance policy helped pay the repair and replacement costs.
Insurance payout
£51,847.12
Covering the cost of fire damage
Insurance payout
Covering the cost of fire damage
Covering the cost of fire damage
Nursery and preschool insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about nursery or preschool insurance costs, and other aspects of your cover. You can also check out our business insurance FAQs.
This depends on your nursery or playgroup, and which insurer is providing your cover. Prices start from £6.79 a month for our nursery customers – we work this out by taking the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July – 31 December 2020). Most customers pay more than this but some pay less.
Public liability insurance will be a key protection for most nurseries and playgroups – it’s built to cover you for injuries and property damage, if your student or another member of the public makes a claim. It also provides clients and regulating authorities with the reassurance and proof that you have appropriate cover in place, if a case is made against you.
In addition, if you employ anyone (including contractors or temps), employers’ liability cover is usually a legal requirement, and you could be fined up to £2,500 a day for each employee who’s not covered correctly. £5 million is the minimum level of insurance required by law, but many insurers offer £10 million, as standard.
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a plumber, you may also do building work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions