Nursery Insurance

020 8603 0944

Monday - Friday 9am - 5pm

Morton Michel’s comprehensive nursery insurance policy provides insurance for 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.

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 flick learning to bring you over 40 RoSPA accredited, CPD-certified FREE online training courses saving you over £350!

For further information please call us on 020 8603 0944 or email us at 

For new enquiries please call us on 020 3824 8478 or email us at 

If your business turnover dose not exceed £200,000, then you may be better suited to our PreSchool policy. To provide the correct cover for you please visit our PreSchool page.


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 Service Free online training worth over £350
    We are delighted to announce that we've teamed up with flick learning to bring you over 35 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

020 8603 0944

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