Childminding Insurance

This section covers childminding insurance – all the cover you should consider if you are looking after other people’s children in your home or as a business.

Why do childminders need insurance?
What type of insurance do childminders need and what level of cover?
Why compare childminding insurance with Coverzones?

Why do childminders need insurance?

Childminding insurance is absolutely essential when you consider that you are looking after the most precious thing in the world – someone else’s child. The most essential cover you will need is Public Liability, which covers you for a claim should a member of the public – including a child in your care – be injured or killed while you are looking after them. Ofsted requires registered childminders to display their Public Liability Insurance. If you employ people, Employers Liability Insurance is required by law. You can also extend your childminders insurance to cover a wider range of eventualities like bad debt recovery or cover for legal expenses.

You will soon be able to get online quotes for childminding insurance here at Coverzones.

What type of insurance do childminders need and what level of cover?

Childminders insurance will normally include a number of different types of cover:

• Public Liability Insurance for childminders: Ofsted requires all registered childminders to have Public Liability Insurance whether you are self-employed working from home, or running a business on separate premises. Most local authorities would expect you to have cover up to £5m. This will cover possible compensation for a member of the public – a child in your care, a mum, a sibling at pick up time or a visitor for example – who is injured or killed as a result of your business activities.

Coverzones will soon offer Public Liability Insurance for childminding.

• Employers Liability Insurance for childminding: If you have employees or casual staff helping you out, you must have at least £5m cover to pay for any compensation claims for death or injury caused while they are working with you. Again, Ofsted expects registered childminders to display their Employers Liability Insurance certificates.

Quotes for Employers Liability Insurance for childminding will soon be offered here at Coverzones.

Why compare childminders insurance with Coverzones?

Coverzones will soon offer the facility to compare childminders insurance quotes online.

Coverzones is a comparison insurance site for businesses and enables you to check quotes from lots of top insurers online in minutes. With Coverzones you can also store all your insurance policies free. And when it comes to renewals or any changes, everything is easily available day or night, 365 days a year.