Insurance and risk advice for childcare and early learning.
Childcare risk brings together people, property, regulation and responsibility.
Childcare and early learning providers carry significant responsibility for the safety, wellbeing and development of children while managing staff, premises, compliance obligations and day-to-day operations.
Claims can arise from injury, professional services, employment matters, property damage, cyber incidents and the many operational risks involved in delivering care every day.
Omnisure takes the time to understand how your service operates, the children and families you support and the responsibilities carried by your organisation, helping build an insurance programme around the practical realities of early learning and care.
Childcare risk extends across every part of the service.
01.
Child and visitor safety
Children, families and visitors move through childcare environments every day, creating significant public liability and duty-of-care exposures.
02.
Professional responsibility
Educators and care providers can face claims relating to supervision, advice, development programmes and the delivery of professional services.
03.
Staff and workplace risk
Injuries, employment disputes, workers’ compensation and workplace safety all form an important part of the risk profile.
04.
Property and equipment
Buildings, play areas, learning resources, equipment and contents can be exposed to fire, storm, theft and accidental damage.
05.
Cyber and privacy
Childcare providers can hold sensitive information about children, families and staff, making data security and privacy an important consideration.
06.
Regulatory and governance obligations
Operators, directors and managers can face increasing responsibilities around compliance, governance and the management of the service.
Insurance solutions built around childcare and early learning.
Public Liability
Protection against claims involving injury or property damage arising from the operation of the childcare or early learning service.
Professional Indemnity
Cover for claims arising from alleged errors, omissions or failures in the delivery of professional care, education or advice.
Management Liability
Protection for directors, officers and the organisation against a range of management-related claims, investigations and employment matters.
Property Insurance
Cover for buildings, contents, learning equipment, furniture and other assets used in delivering childcare and education services.
Business Interruption
Protection designed to help manage financial loss if an insured event disrupts normal operations.
Workers’ Compensation
Support for workplace injury risk, claims management and the obligations associated with employing educators and support staff.
A practical approach to managing childcare risk.
01.
Understand the service
We look at your operating model, staff, premises, activities and responsibilities before recommending cover.
02.
Consider the full risk picture
Property, liability, professional services, employment and cyber risks can overlap. We consider how these exposures work together.
03.
Review as the service changes
New locations, increased enrolments, additional staff and changes to programmes can all alter your risk profile. We help keep cover aligned as the organisation evolves.
Specialist advice for childcare and early learning providers.
Sector understanding
We take the time to understand the specific risks, responsibilities and operational pressures faced by childcare and early learning providers.
Tailored programmes
We build insurance around the service you actually provide rather than relying on a generic business package.
Responsive support
When questions, changes or claims arise, our team is available to help explain the cover and keep the process moving.
Ongoing programme review
As your service grows or changes, we help review the programme so it continues to reflect your current operations and exposures.
Talk to our childcare and early learning specialists.
Tristen van Rhoon
Guidance and commentary from the team
The Commute Gap: Why Journey Cover Matters for Your Employees
Omnisure Welcomes Rest Assured Insurance Services
Specialist Disability Accommodation (SDA): An evolving market
Let’s talk about protecting your childcare or early learning service.
