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Insurance for Childcare Businesses

Insurance requirements and options for childcare providers including public liability, employer's liability, professional indemnity, and vehicle insurance for outings.

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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 the Early Years 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