Morton Michel

Mobile Creche

The Mobile Creche policy is underwritten by Sterling Insurance Company Limited (except where otherwise stated).

This document summarises the cover provided by the Mobile Creche 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.

Mobile Creche

Optional Extras

Group Equipment
Loss of Revenue
Buildings
Group Money
Personal Assault
All risks
Trustees’ and Officers’ Financial Liability
Professional Indemnity Extension
Terrorism (optional separate policy)

Public and Products Liability

If your group is held legally responsible for an injury to a child or a third party, or for damage to a third party's property, or for defects in goods sold or supplied by you, then you will be required to pay damages. Public and Products Liability covers these damages and any resulting legal expenses up to the limit of indemnity.

Limit of Indemnity

£3,000,000 (higher limits are available on request).

Automatically Included

organised and supervised outings for a maximum of 3 days (extensions can be arranged)
food poisoning
incorrectly administered first aid treatment
administration of drugs/medicines in accordance with policy conditions
administration/provision of oxygen, gastro feeding, naso-gastric tube feeding, cleaning and changing of feeding or tracheostomy/tracheotomy tubes and emptying/changing stoma bags in accordance with policy conditions
member to member liability
vicarious liability (as decided in a Court of Law)
fund raising activities of a non-sporting nature involving members of the group and their families. All other fund raising activities should be notified to Morton Michel for consideration
legal defence costs and expenses incurred with the written consent of Sterling Insurance Company Limited
children with special needs
bouncy castles used by the group for the children attending the group (or other children in their family) in accordance with policy conditions
use of trampolines in accordance with policy conditions
contingent motor liability - provides cover for the group if a motor accident occurs in connection with group business, for which the group is legally responsible and the car owner does not have the necessary cover in place. This does not replace or include ordinary motor insurance and it does not cover the motor vehicle or its contents. The group must take all reasonable precautions to ensure that any vehicle used has the appropriate motor insurance. (Morton Michel offers motor insurance schemes
designed specifically to support childcare activities. To find out more details about this specialist cover for private cars, people carriers and mini buses, call 0800 975 4894.)

Territorial Limits

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

Main Exclusions

provision of advice or breach of professional duty
sale or supply of medicines, drugs, syringes, dressings or medical supplies or equipment of any kind whatsoever
property belonging to the group, or in its care, custody or control
personal property of staff and members attending the group
use of adventure playground facilities such as aerial runways, scramble nets and tree walks - which have been constructed or partially constructed from materials not originally intended for play or recreational use eg: telegraph poles, tyres and drainage pipes; (please refer to Morton Michel if in any doubt)
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, the administration of drugs/medicines in accordance with policy conditions and the administration/provision of oxygen, gastro feeding, naso-gastric tube feeding, cleaning and changing of feeding or tracheostomy/tracheotomy tubes and emptying/changing stoma bags in accordance with policy conditions)
inflatable play equipment other than bouncy castles used by the group for the children attending the group (or other children in their family)
activities not advised to and agreed in writing by Morton Michel.

Employers' Liability

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 are defined as paid or unpaid supervisors, students, work experience students, trainees and volunteers.

Limit of Indemnity

£10,000,000 any one cause. (£5,000,000 if arising out of terrorism.)

Automatically Included

legal costs incurred in the defence of criminal proceedings in respect of a breach of the Health and Safety at Work etc Act 1974 - limit £10,000 in any one period of insurance
legal defence costs and expenses incurred with the written consent of Sterling Insurance Company Limited.

Territorial Limits

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

Legal Expenses

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

Limit

£50,000 any one event

Automatically Included

employment disputes and compensation awards that might arise with your employees (such as unfair dismissal).
legal defence in the event of a criminal prosecution arising from your business activity (such as alleged child abuse of the
children attending your mobile creche)
a legal representative to support you if you are asked to go to the police station for a matter relating to your business
taxation disputed with HM Revenue and Customs
contract disputes of over £250, if a parent breaks with your contract terms
recover of a debt of over £250, if a parent fails to pay for your services
legal action to obtain compensation or an injunction following damage to or trespass on, your property
legal action to obtain compensation for death or bodily injury
loss of registration

Main Exclusions

costs and expenses incurred before the written acceptance of a claim by DAS
any civil claim which does not offer a reasonable prospect of success.

Helplines

Helplines, provided by DAS, that give professional advice and support are automatically included with your policy. They are available 24 hours a day, 365 days of the year.

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 repair support: giving access to approved contractors for plumbing, electrical, gas and roofing repairs (you will be responsible for the cost of the repair).
Confidential counselling: a valuable support service to help you through those difficult times whether because of stress, anxiety, depression, relationships, bereavement or health related. It includes onwards referral to relevant voluntary and/or professional
services where appropriate.

Optional Extras

Your insurance may be extended to include any of the following:

Group Equipment

This covers your equipment against fire, lightning, explosion, aircraft, theft involving violent and forcible entry or exit, riot or civil commotion, malicious damage, earthquake, impact by vehicles, storm, flood, sudden escape of water or oil, falling trees or branches, occurring anywhere in the United Kingdom.

Sum Insured

£3,000 (higher values available on request).

Automatically Included
(subject to adequacy of sum insured)

equipment whilst in transit, up to £1,500 (higher values available on request)
debris removal
damage to the premises caused by theft involving forcible and violent entry provided you are responsible for the repair of such damage
accidental damage to sanitary ware, underground pipes or cables, up to £1,000
cost of refilling fire extinguishers if discharged because of fire
loss of metered water up to £2,500
external fixed CCTV equipment and security lighting up to £1,000
replacement of locks and keys following theft of keys up to £1,000
the structure of any timber or metal shed at the premises used to store Group Equipment when not in use up to
- £1,500 in total for timber sheds
- £2,500 in total for metal sheds
- maximum £2,500 total overall
the contents of any timber or metal sheds at the premises used to store Group Equipment when not in use up to
- £1,500 in total for timber sheds
- £2,500 in total for metal sheds
- maximum £2,500 total overall.

Main Exclusions

storm or flood damage to property not in an enclosed vehicle or building
theft or attempted theft from any unattended vehicle or trailer
the first £100 of each claim in respect of equipment in timber sheds
the first £100 of each claim in respect of the shed itself
the first £100 of each claim in respect ot accidental damage to sanitary ware, underground pipe and cables
the first £50 of any other claim
property not locked in a room, hall, cupboard or shed at the end of every group session
loss or damage caused by other authorised users of the premises
terrorism, war and kindred risks.

Optional Extension

This cover can be extended to allow for accidental damage to equipment.

NB: Please keep receipts when you buy any equipment for your group because the insurers need to see these as proof of purchase should you have to make a claim. Claims can be settled much quicker if the receipts can be produced.

Loss of Revenue (optional extra)

Provides protection against financial loss during the period taken for the business to return to normal following loss or damage by any of the events covered under the Group Equipment section. Reasonable costs incurred to maintain the business following loss or damage are included.

The sum to be insured should be based on your estimate of the gross revenue to be earned in the next twelve months (or any longer period that you choose) with allowances for anticipated growth and inflationary factors.

Automatically Included

unrecoverable outstanding debit balances
prevention of access due to damage to nearby premises
loss caused by damage at land based premises of public utilities or telecommunication undertakings
accidental failure of the electricity, gas or water supplies at the terminal ends of the public supply undertaking’s feed to the premises (unless such failure is for a period of less then sixty minutes)
the occurrence at the premises of poisoning, murder or suicide
closure due to defective sanitation, vermin or pests
outbreak of human infectious or contagious disease at the premises
wages for replacement staff following suspension of OFSTED, or other registering authority, of employees accused of child abuse, up to £2,500.

Main Exclusion

terrorism, war and kindred risks.

Buildings (optional extra)

Buildings, outbuildings and associated structures can be covered against fire, lightning, explosion, aircraft, theft involving forcible and violent entry or exit, riot or civil commotion, malicious damage, earthquake, impact by vehicle, storm, flood, sudden escape of oil or water, falling trees or branches.

Automatically Included

accidental damage to sanitary ware, underground pipes or cables
architects' and surveyors' fees
debris removal
public authorities costs.

Also Covered

all fixed external glass
property owner's liability (limit £3,000,000).

Main Exclusions

the first £100 - £200 of each buildings claim (depending upon construction)
the first £50 of each glass breakage claim
subsidence, ground heave or landslip
fences and gates
liability arising out of asbestos or its derivatives
terrorism, war and kindred risks.

Click here to download a quotation form for building insurance.

Group Money (optional extra)

This provides protection against loss of money whilst at the premises during business hours, in transit, in a bank night safe or in the home of an authorised group official.

Limit

£500.

Main Exclusions

the first £50 of each claim
loss from any unattended vehicle
money left at the group premises overnight
loss due to fraud or dishonesty of any group official unless discovered within seven days
shortages due to error or omission
dishonoured cheques or use of counterfeit money.

Personal Assault (extension to Group Money)

Group officials aged between 16 and 70 are automatically provided with compensation if they sustain bodily injury or death following an assault whilst handling money in connection with your business.

Compensation Levels

death, loss of limb(s), loss of sight or permanent total disablement: £20,000
temporary total disablement (up to 104 weeks): £50 per week.

Main Exclusions

influence of drugs or liquor
pregnancy, childbirth or any communicable disease

All risks (optional extra)

As an alternative to the specified perils insured by the Group Equipment section, you may prefer to have certain items of equipment covered for accidental loss or damage occurring anywhere in the UK.

Sum Insured

Full replacement cost of the property

Main Exclusions

the first £100 of each claim
wear and tear
theft from unattended vehicle or trailer
storm or flood unless the property is contained in an enclosed vehicle or in a building
electrical or mechanical breakdown
breakage of brittle articles (unless part of photographic equipment)
terrorism, war and kindred risks.

Trustees’ and Officers’ Financial Liability (optional extra)

If your group is forced to close with insufficient assets to cover outstanding debts, the trustees or officers of your group may find themselves held responsible for such shortfall.

Three levels of sum insured are available for all claims by all trustees and officers of your group

£5,000/£7,500/£10,000

The closure of the group must be outside the control of the trustees or officers

Main Exclusions

the first £25 or 5% of each claim whichever is the greater
fraud, embezzlement, misappropriation or other criminal act of any trustee or officer
shortfall resulting from dishonoured cheques, use of counterfeit money, clerical/accounting errors or shortages due to error or omission
losses arising from the closure of the group within the first six months from inception date.

Professional Indemnity Extension (optional extra)

This extension includes trustees', directors’ and officers’ indemnity. Your Public Liability section can be extended to cover your group’s legal liability in the event of a group official making an error, or omitting to do something that they should have done, or committing libel or slander, provided that all such actions are unintentional.

Limit of Indemnity

£250,000 and £500,000 are available.

Special Condition

Customer Service Information

Other Insurance

Terrorism (optional separate policy)

If you require cover against acts of terrorism, we are able to offer a separate policy that will

cover most causes of terrorism damage including biological, chemical or radioactive contamination
apply to all property insured under your Mobile Creche policy, up to the full value sums insured that you have selected
include cover against loss of income, if required, up to the sum insured under your Mobile Creche policy.

If you would like a quotation for this extra cover, please contact Morton Michel.

IMPORTANT

To obtain the full benefit from your insurance it is important that the sums insured are adequate at all times. If they are inadequate then in the event of a claim the amount payable will be reduced in proportion to the degree of underinsurance.

It makes sense to review the sums insured regularly, particularly if you have refurbished your premises or purchased new equipment.

Morton Michel will discuss any aspect of the Mobile Creche policy and provide prompt settlement of smaller claims on a direct basis.

If you have any queries or would like to discuss Mobile Creche insurance please contact Morton Michel, Alhambra House, 9 St Michael's Road, Croydon CR9 3DD. Telephone: 0845 2570900 Fax: 0845 2570547/0548.