Guide
Insurance for Childcare Businesses
Insurance requirements and options for childcare providers including public liability, employer's liability, professional indemnity, and vehicle insurance for outings.
Education & Training
UK-wide
Appropriate insurance is both an EYFS requirement and a legal obligation for childcare businesses. Ofsted checks insurance at registration and may request certificates during inspection. Operating without adequate insurance puts your registration at risk.
Required insurance cover
Choosing a policy
When selecting childcare insurance:
- Specialist providers: Use insurers experienced in childcare (e.g. Morton Michel, Nursery and Childcare Insurance). Generic business policies may not cover childcare-specific risks
- Membership organisations: PACEY (childminders), NDNA (nurseries), and Pre-school Learning Alliance offer discounted insurance packages for members
- Check exclusions: Ensure your policy covers all activities you offer, including outings, water play, cooking with children, and outdoor/forest school activities
- Review annually: Update your insurance when your circumstances change (new staff, additional premises, new activities, increased child numbers)
What Ofsted checks
During registration and inspections, Ofsted verifies:
- Public liability insurance is current and provides adequate cover
- Employer's liability certificate is displayed or readily available (if you employ staff)
- Insurance covers all activities and premises in use
- Vehicle insurance covers business use if transporting children