1. Do I need separate cover for playground surface / equipment?
No. This would automatically be covered under your Contents / Equipment section provided the sum insured under this section is adequate to cover same. However, an excess of €350 will apply to each and every claim in respect of the playground.
2. Am I insured to take the children on an outing?
Organised outings, which involve bringing a group of children away from the premises, e.g. trips to the cinema, zoo, etc, are automatically covered. However, you must comply with the ratio of 1:3 with a minimum of two adults at all times.
Collections and drop-offs to and from schools are also covered and the following ratios must be complied with at all times:
1:4 whilst walking to and from the school,
1:5 in a private car.
3. Are the children covered whilst on bouncing castles or trampolines?
Yes, provided the relevant guidelines are adhered to at all times. Please contact Kidd Insurances for a copy of these.
4. Am I covered for fund raising events?
Normally, events to raise funds for your own service are automatically covered under the policy at no additional charge. However, if you intend to hold a disco, evening event or family day, these will have to be referred to Kidd Insurances and a charge may apply. If you wish to run an event to raise funds for a charity, please contact Kidd Insurances.
5. Is there an age restriction on my policy?
This would depend on the type of service you provide. You must comply with the current childcare legislation.
6. Am I or my staff covered to administer medication to the children?
Section 2 (Public Liability) of the policy covers the insured’s legal liability arising from or in connection with the administering of oral medication at the request of the child’s parent / guardian providing a register of medication is maintained. The register must indicate times / dosages and be completed after each administration.
Where you have been requested to administer an injection or emergency treatment for allergies, the following guidelines must be complied with:
- Formal training to be provided by a qualified medical practitioner with records signed and kept,
- Condition to be reviewed every 6 months by the insured,
- If one of the named employees leave, they are to be replaced , with records signed and kept.
7. How many children should I insure for?
You need to cover the maximum number of children who will be on your premises at any one given time.
8. Am I covered to accept children on a “Drop-in” basis?
All children in your care must be pre-booked, pre-registered and attend your service on a regular basis. If you would like a quotation for a drop-in facility, please contact Kidd Insurances.
9. Am I covered to run a Summer Camp?
Your policy can be extended to run Out-of-School camps (e.g. Easter, Summer & Halloween) at an additional charge.
We can also provide cover for summer schools not in the scheme.
Please contact Kidd Insurances for a quote.
10. Are computers covered under my policy?
Desk top computers are automatically covered under the Contents / Equipment section of your policy for a sum insured of €5,000 (you must ensure that you are adequately insured under this section). However, lap-top computers must be specified and charged separately under the policy as these can be taken out of the service and be covered for All Risks. All claims in relation to lap-top computers are subject to a €250 excess. A Locked Boot Warranty will also apply.
