Nursery Insurance

0330 058 9861

Monday - Friday 9am - 5pm

Morton Michel’s comprehensive nursery insurance policy provides insurance for UK nurseries, kindergartens, sure start centres, Montessori schools and children’s centres. Morton Michel began arranging insurance for nurseries in 1993 and now protects the assets and interests of over 3,700 nurseries nationwide.

Important information: How to make a claim following the COVID-19 outbreak

COVID-19 has already had a serious impact on many businesses and we appreciate the distress this may be causing you for your own business. In order to help our customers through this difficult period, we have been working with Covéa Insurance PLC, who underwrites the NurseryCare policy, to set up a simple claims process for our NurseryCare customers following the COVID-19 outbreak.

Details on how to make a claim can be found here.

We understand that this is a difficult time for the childcare industry, and the nation as a whole, so we appreciate your patience while we work with your Insurers to provide a smooth and efficient claims process.


Q. I have furloughed some of my staff but retaining others to work. If I choose to top the 20% shortfall in furloughed staff up and have other outgoings, how will this affect my claim?
A. As your policy covers you for your loss or reduction of income during full or partial closure (less any savings that you make), if you chose to top up the 20% shortfall in wages, then yes this is covered by the loss of revenue element of the claim. Please note the £100,000 and 3 month limit applicable to this extension in your cover.

Q. Is the insurers standpoint that we should still send out invoices each month for the care parents would have been using but aren't?
A. No. Your contract between you and your customer will guide you on the process to be followed. Your insurers will be measuring your loss of revenue/income against what you would normally have achieved during the period. Please note that you have access to the ARAG helpline on to help you with any legal queries you have about your contracts.

The Morton Michel nursery insurance policy has recently been substantially improved - wider cover including new optional cyber insurance, increased sums insured and two new FREE services to help you run your nursery business!

NEW FREE Service - The online Morton Michel Early Years Advisory Service provided by Croner-i covers over 110 topics areas to assist you in running your own day nursery - from the Early Years Framework to Employment Rights, Ofsted Inspections to Health and Safety and Buildings Maintenance to Finance.

NEW FREE Service - We are delighted to announce that we've teamed up with award-winning flick learning to bring you over 40 RoSPA accredited, CPD-certified FREE online training courses!

For further information please call us on 0330 058 9861 or email us at 

For new enquiries please call us on 0330 058 9861 or email us at 


Nursery Insurance Cover Includes  

  • Increased Public and Products Liability
    Limit of indemnity £10 million
  • Increased Professional Indemnity
    Limit of indemnity £1 million
  • Increased and Extended Loss of Registration
    Limit of indemnity £250,000
  • Increased and Extended Equipment Breakdown
    Now includes cover for other electrical items such as boilers and smartphones
  • Now Automatically Included Directors' and Officers' Liability Cover
  • NEW FREE Service Morton Michel Early Years Advisory Service from Croner i
    Giving you access to 110 legal, HR and compliance documents to assist you in running your business
  • NEW FREE award winning Early Years online training
    We are delighted to announce that we've teamed up with flick learning to bring you over 40 RoSPA accredited, CPD-certified courses
  • Employers' Liability
    Limit of indemnity £10 million
  • Legal Expenses
    Limit of liability £250,000
  • Nursery Contents
    Standard amount £20,000. Higher limits available.
  • Loss of Revenue
    Sum insured £250,000. Higher amounts available
  • Unspecified All Risks
    Standard amount £1,000
  • Nursery Money
  • Personal assault extension
  • Nursery officials' personal money and personal effects
  • Nursery children's personal effects
  • Personal accident for nursery children and officials
  • Contents in transit - Sum insured £1,000
  • Deterioration of refrigerated/frozen food - Limit of indemnity £2,500
  • Tenants Improvements
  • Glass
  • Crisis Containment, Website Hacker and Lotto Win indemnity
  • Employee Dishonesty
    Automatically included for £25,000
    Free Business Continuity Planning Software

Nursery Insurance Optional Extras  

  • NEW Cyber Insurance
    Cyber insurance is an optional extra that pays for damages and defence costs made against you for failing to meet data privacy obligations and will also cover the expenses incurred for such failures. This cover starts from as little as £88. 
  • Buildings
  • Terrorism
  • All Risks on specified items of equipment

0330 058 9861

Monday - Friday 9am - 5pm


Great reasons to insure with Morton Michel

Over 50 years’ experience in childcare insurance

Market leaders in childcare insurance

Easy to arrange insurance cover – online quotations available

No call centre, just personal and honest service

Helplines for legal advice, tax and counselling services available 24 hrs a day 7 days a week

Quick and efficient response to any queries and claims

Automatic entry to the Morton Michel ChildCare Club giving you and your staff access to exclusive benefits and discounts