Specialist Childcare Business Insurance & Public Liability Insurance Protection For Child Care Providers
At AIB, we understand the unique challenges and responsibilities that come with running childcare and early learning centres. That’s why we’ve developed specific Childcare Business Insurance solutions that provide coverage for all the most common risks including public liability insurance for child care providers. We are childcare insurance specialists offering market-leading products. Whether you manage a child care centre, kindergarten, or any early learning facility, our comprehensive packages are designed to give you peace of mind, so you can focus on what matters most – nurturing the future generations.
Our child care packages are recognised for the range of settings that they cover. Not only do we understand the legislative requirements for Australian childcare settings but we also understand the day to day needs of small business and the risks you need to protect yourself against. And with an in-house claims team we can also handle everything if you ever need to make a claim.
Childcare Centre Insurance Coverage for a Range of Settings
The unpredictable nature of working with babies, toddlers and young children means that the risk of accidents is higher than in many other professions. And it’s not just the kids that may be injured. Childcare centre staff can be exposed to the risk of injury too, particularly with lots of toys and equipment on the floor. Incidents can happen to the most careful of businesses. That’s where a good Childcare Insurance package can give you peace of mind and ensure the risks of long term detrimental impact on your business are minimised.
We work with:
- Licensed Childcare Centres
- Kindergartens
- Early Learning Centres
- Licensed Pre-schools
- Before and After School Care
- Associated Vacation Care
- Property Owners of Licensed Childcare Centres
Our childcare package is available nationally through AIB directly or from selected participating brokers. AIB uses only authorised Australian based insurers.
What Risks Can Child Care Insurance Help Protect Your Business Against?
Childcare and early learning centres are some of the most lively and unpredictable environments to work in. The most obvious risks that you think of in a childcare setting is personal injury to either a child or a staff member. However, childcare Public Liability Insurance should be considered a necessity as should some other general business insurance products. It’s worth considering, for example, how your business would be affected if there was a fire, theft or accidental damage to equipment.
Child Care Insurance can help protect your business against various risks, including but not limited to:
Liability claims
Comprehensive coverage for both public liability and professional indemnity, safeguarding your business against claims of negligence, injury, or accidents occurring on your property. It includes cover for claims of bodily injury or property damage that occur on your premises, such as a child getting injured while playing on the playground.
Abuse or molestation claims
Coverage for claims of abuse or molestation by an employee or caregiver.
Property damage
Childcare Insurance can provide coverage for damage to your property, such as through fire or flood, theft or vandalism
Business Interruption
Coverage for lost income and expenses due to a covered loss, such as a natural disaster.
Employee injuries
Childcare Insurance can provide coverage for workplace injuries to your employees, such as slips and falls
Workers Compensation
Mandatory coverage that protects your employees in case of work-related injuries or illnesses.
Cyber Liability
In an age where data protection is crucial, our policies cover breaches of sensitive information, ensuring your digital operations are safeguarded.
This package can be used as a complete business pack or by selection of individual areas of insurance cover only (certain sections are compulsory).
The Childcare Insurance package is an Occurrence based policy.
To ensure you have the right childcare cover for your business, talk to our childcare expert Jodie Cox and get the peace of mind that you have a tailored insurance package with the right business protection that is to your specific needs.
