Crèche Insurance

Crèche Insurance

Kidd Insurances has developed a market leading offering to protect you and the children in your care.

This offering is built on years of knowledge and experience of insurance within the childcare industry backed by experienced and professional staff. To add to this we have managed to include a range of value added benefits for all members supporting latest development within the childcare industry.

Main Covers as Standard include:

  • Damage to Crèche Equipment,
  • Public Liability,
  • Employers Liability,
  • Loss of Income.

Childcare Policy Summary of Cover

Property Damage

Cover includes:

  • Temporary Removal of Contents
  • Replacement of locks and keys
  • Damage to / loss of external lighting or security equipment
  • Fire extinguishing expenses and fire brigade charges
  • Loss of metered water oil or gas
  • Tracing source of burst pipe underground
  • Damage to fences, gates or moveable property in the open
  • Synthetic surfaces and/or fixed outdoor equipment

Cover does not include Damage caused by or resulting from:

  • vermin insects wet or dry rot or mildew
  • any process of cleaning restoring altering or repairing
  • normal settlement marring scratching exposure to light or change in colour texture or finish
  • growing crops
  • Frost (other than bursting of water pipes tanks or apparatus) or extremes of temperature
  • faulty or defective design materials or workmanship or latent defect
  • rust wear tear corrosion shrinkage expansion gradual deterioration or any gradually operating cause
  • value to the Insured of computer system records and/or all other documents and manuscripts beyond the cost of labour or computer time expended in their reproduction
  • the excess specified in the Quotation, Policy and/or Schedule issued

Money

Cover includes:

  • Money within any building occupied and used by the Insured or in a locked safe or strong room
  • Money in transit or in a bank night safe
  • Personal money belonging to any Employee
  • Money in the residence of any person authorised by the Insured
  • Loss or damage to safes or strong rooms
  • Financial loss following misuse of any credit card

Cover does not include:

  • fraudulent or dishonest acts
  • errors or omissions
  • the excess specified in the Quotation, Policy and/or Schedule issued

Employers’ Liability

Cover includes:

  • Defence or appeal against criminal conviction in any proceedings brought for a breach of any health and safety legislation in connection with the Business
  • Medical Expenses incurred by Employees

Cover does not include any liability:

  • arising from demolition construction alteration or repair of buildings
  • compulsorily insurable under any Road Traffic Act legislation

Public Liability

Cover includes:

  • Motor Contingency (use of vehicles not owned by the Insured)
  • Administration of Medicines
  • liability arising from a defect in any Product
  • liability arising away from the Insured premises in connection with the Business

Cover does not include any liability:

  • arising from demolition construction alteration or repair of buildings
  • for Bodily Injury to an Employee
  • compulsorily insurable under any Road Traffic Act legislation
  • for any carnival festival gymkhana or horse/pony racing organised by or on behalf of the Insured
  • for any production/concert or fund raising activity where the anticipated attendance exceeds 1,000 persons
  • for fund raising activities not solely for the benefit of the Insured
  • for the sale or supply of any Product to or in the United States of America or Canada
  • for the cost of removing repairing recalling replacing or reinstating any Product sold or supplied
  • for any intentional dishonest criminal or malicious act or omission
  • for any actual or attempted conduct or contact of a sexual nature including but not limited to conduct or contact involving sexual gratification discrimination coercion harassment or pressure of any kind

Professional Indemnity

Cover: Legal liability in connection with the Business for any actual or alleged

  • breach of duty arising from any negligent act, error or omission
  • breach of warranty of trust or confidentiality
  • libel or slander committed in good faith
  • infringement of copyright patent trademark or design rights committed in good faith

Personal Accident

Cover includes Accidental Bodily Injury resulting in

  • Death
  • Loss of sight in one eye or loss of one limb
  • Loss of sight in both eyes or loss of both limbs
  • Loss of hearing in one ear
  • Loss of hearing in both ears
  • Permanent disability
  • Temporary disability per week
  • Medical / Dental / Optical expenses

Cover does not include Accidental Bodily Injury arising from

  • demolition construction alteration or repair of buildings
  • wilful exposure to danger or any unlawful act
  • attempted self injury or use of intoxicants or drugs
  • any existing physical or mental defect or infirmity or insanity
  • any actual or attempted conduct or contact of a sexual nature including but not limited to conduct or contact involving sexual gratification discrimination coercion harassment or pressure of any kind
  • the Excess specified in the Quotation Policy and/or Schedule issued

Crèche Insurance Forms

1 Creche Insurance Proposal download
2 Creche Policy Wording download
3 AutoPlus Private Motor Insurance Proposal download