Morton Michel

ChildMinder

Summary and Guide

This document summarises the cover provided by the ChildMinder policy and should be read carefully before you complete the Proposal Form. The Policy Summary does not contain the full terms and conditions, which can be found in the policy document. A full policy document is available free of charge from Morton Michel.

You should also read our Terms & Conditions

If you require cover for Northern Ireland – please call us on 0845 257 0117 for our latest rates.

ChildMinder

Public Liability

Limit of Indemnity - £5,000,000

If, as a registered childminder, you are held legally responsible for an injury (including death) to a child or third party, or for damage to a third party's property then you will be required to pay damages. Public liability insurance covers these damages and any resulting legal expenses, up to the limit of indemnity.

Automatically included:

associated legal defence costs and expenses incurred with our written consent – in addition to the limit of indemnity
cover for your registered assistant or approved helper, as stated on your registration certificate
cover for the actions of any employee whilst under your direct control and supervision
attendance at exhibitions, creches, meetings and outings run for an on behalf of registered childminders
food poisoning
incorrectly administered first aid
administration of medicines and drugs in accordance with policy conditions.
administration/provision of oxygen, gastro feeding, naso-gastric feeding, cleaning and changing of tracheotomy tubes and feeding tubes and emptying/changing stoma bags in accordance with policy conditions
children with special needs
use of trampolines, climbing frames and garden swimming pools in accordance with policy conditions
Contingency motor liability – this does not replace or include ordinary motor insurance and it does not cover the motor vehicle or its contents. It does provide cover if you use someone else’s vehicle (with their permission) on childminding business and a motor accident occurs for which you are legally responsible, but the vehicle owner does not have the necessary business cover in place. However, you must take all reasonable precautions to ensure that any vehicle used has appropriate motor insurance
babysitting services in accordance with policy terms and conditions
working as a self employed childminder in a crèche setting in accordance with policy terms and conditions

Territorial Limits

Anywhere in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

Main Exclusions

liability for accidental bodily injury to any minded child not in your direct and immediate personal care, custody or control (except in an emergency)
property belonging to you or your family or in your custody or control.
liability arising out of asbestos or its derivatives
terrorism, war and kindred risks
fines, penalties or liquidated, punitive or exemplary damages
treatment (other than first aid treatment and the administration of drugs/medicines in accordance with policy conditions)
treatment (other than first aid treatment, the administration of drugs/medicines in accordance with policy conditions and administration / provision of oxygen, gastro feeding, naso-gastric feeding, cleaning and changing of tracheotomy tubes and feeding tubes and emptying/changing stoma bags in accordance with policy conditions)

Employers' Liability

Limit of Indemnity £10,000,000 (£5,000,000 if arising out of terrorism)

If you are an employer, you are required by law to have Employers' Liability insurance. This covers you in case an employee suffers an accident at work for which you are held legally responsible. Employees include paid or unpaid supervisors, students, work experience students, trainees and volunteers.

Automatically Included

Legal costs incurred in the defence of criminal proceedings in resepect of a breach of the Health and Safety at Work stc Act 1974 – limit £10,000 in any one period of insurance
Legal defence costs and expenses incurred with the written consent of Sterling.

Territorial Limits

Anywhere in Great Britain, Nortern Ireland, the Isle of Man of the Channel Islands

Property

Limit - £1000 any one occurrence

Where no legal liability attaches to you, you will be reimbursed for costs and expenses incurred by you, with the company's consent, in respect of accidental loss of or damage to:

the property of a minded child
any other person's property caused by a minded child
any other person's property caused by you as a registered childminder
Cover for toys and play equipment on loan to you from a toy library

Main Exclusions

theft of attempted theft
buggies or pushchairs
toys whilst in use or play
terrorism, war and kindred risks

Legal Expenses

Limit - £50,000 any one event

Cover, which is provided by DAS Legal Expenses Company Limited (DAS), will pay your legal costs, including solicitors' and barristers' fees, court costs, expenses for expert witnesses, attendance expenses and accountants' fees.

Automatically Included

a legal representative to support you if you are asked to go to the police station for a matter relating to your childminding work
legal defence in the event of a prosecution arising from your business activity such as alleged child abuse of the children that you mind.
taxation disputes with the Inland Revenue
legal expenses required to appeal to OFSTED or other registering authority, if your registration as a childminder is cancelled, suspended, or your renewal refused.
supporting contract disputes of over £100, if a parent breaks with your contract terms
supporting the recovery of a debt of over £100, if a parent fails to pay for your services
employment disputes and compensation awards that might arise with your assistant childminder.

Main Exclusions

costs and expenses incurred before the written acceptance of a claim by DAS
civil claims which do not offer reasonable prospects of success

Helplines

Professional and practical advice, provided by DAS, is available 24 hours a day, 365 days a year for issues relating to tax, legal matters, health/medical information and domestic emergencies as well as a counselling service.

Advice is given on:

Tax, including VAT, self assessment income tax and Inland Revenue audits.
Legal matters: including employment and contract disputes
Health and medical information: including food allergies, medication, childhood illnesses, vaccinations, nutrition and exercise.

Help is provided through:

Emergency Household repair support: giving access to approved contractors for plumbing, electrical, gas and roofing repairs (you will be responsible for the cost of the household repair)
Confidential counselling: a valuable support service that includes onward referral to relevant voluntary and/or professional services, where appropriate.

Morton Michel, Alhambra House, 9 St Michaels Road, Croydon CR9 3DD. Telephone 0845 2570900. Childcare Insurance Made Easy.

Customer Service Information

Demands and Needs
Morton Michel does not make recommendations or provide advice. The Childminder policy has been designed to meet the demands and needs of registered childminders but you will need to make your own choice as to how you wish to proceed.