Public liability insurance
Covers claims if a child, parent or visitor is injured on your premises. This is the foundation of any childcare liability insurance policy.
Specialist childcare insurance
Childcare Insurance Cover Across Australia
Smart Cover for Little Footprints.
Childcare insurance protects the people, property and operations behind every early learning centre, long day care and out of school hours care facility in Australia. If you run one, you already know the risks are different from any other business.
Cover built for early learning, long day care and OSHC
Speak with a specialist1300 605 101
Why childcare providers choose us
Cover shaped around how your centre runs
We specialise in building cover around childcare providers. Every policy is shaped to fit the specific way your centre operates, from drop-off to pick-up and everything in between.
Whether you run a single family day care or manage multiple OSHC sites, we work with you to cover what matters including:
- Public liability
- Professional indemnity
- Buildings, property and contents
- Management Liability, including cover for directors and statutory liability
- Other bespoke insurances such as molestation and personal accident
Who we cover
Who Needs Childcare Insurance
Any childcare business that looks after other people's children faces risks that standard commercial policies were never designed for. From supervision and duty of care to playground injuries and allergic reactions, the exposures are specific to early learning environments.
If your operation falls into any of the categories below, chances are you need cover built for child care centres, not bolted onto a general business policy.
- Long day care centres
- Family day care educators
- Kindergartens and preschools
- Before and after school care
- Out of school hours care (OSHC)
- Early learning centres
Our covers
What Does Childcare Insurance Cover?
The right insurance cover protects your centre, your staff and the families who trust you with their children every day. Here's what a tailored childcare policy from us typically includes:
Professional indemnity
Responds to claims arising from the advice, care decisions or supervision your educators provide, whether in a traditional family day care setting or combined family day care and in-home care.
Property and contents
Cover for damage to your building, fit-out, furniture, equipment and outdoor play areas.
Business interruption
Replaces lost income if your centre has to close temporarily due to an insured event.
Workers' compensation or personal accident
Covers injuries sustained by your staff, casual employees and volunteers while working at your facility.
Management liability
Protection for directors and officers against regulatory action, employment disputes and governance-related claims.
Industry expertise
Industry Expertise that Understands Key Risks Facing Childcare Businesses
Every childcare facility carries risks that go well beyond what a standard business policy accounts for. Here are the most common, and the cover that responds to each.
The risks listed above are not hypothetical. They result in real claims every year. A policy built for your operation should address all of them.
RiskCover
- Playground injuries to children or visitorsPublic Liability
- Allergic reactions or medical incidents during carePublic Liability & Professional Indemnity
- Staff misconduct or abuse allegationsManagement Liability
- Property damage from storms, fire or vandalismProperty & Contents
- Regulatory non-compliance or licensing breachesManagement Liability
- Cyber and data breaches involving parent and enrolment recordsCyber Liability
How it works
How Our Childcare Insurance Process Works
- 01
Learn Your Centre
We start by listening. Our team investigates how your centre operates day to day, from enrolment numbers and staffing ratios to outdoor play areas and excursion schedules. By combining your specific care environment with our experience insuring childcare facilities, we uncover both the obvious risks and the overlooked exposures that standard policies tend to miss.
- 02
Build Your Cover
We put together a practical roadmap that goes beyond just placing a policy. Our advice covers risk-minimisation strategies specific to childcare, from incident reporting procedures and supervision protocols to meeting National Quality Framework requirements.
- 03
Place & Protect
Unlike traditional insurers, we stay involved after your policy is placed. Whether it's updating cover when you open a new room, adding a location, adjusting limits after a renovation or managing a claim from a playground incident, we walk alongside your centre to make sure your protection keeps pace with your operation.
- 04
Growth With You
We stay connected as your operation grows. Whether you're adding extra enrolled places, opening a new centre, extending into before and after school care or bringing on additional educators, we continuously update your cover to match your evolving risk profile.
Get the Right Cover for Your Centre
Your centre is one of a kind. Your childcare insurance should be too. We build every policy around your operation, not around a template. Talk to one of our specialists today and get cover that actually fits.