NurseryCare Policy

Frequently Asked Questions

For further information simply click on the relevant question

FAQ icon
  • What is Public Liability insurance and why is it so important?
  • What is Employers' Liability insurance?
  • What is the difference between Liability and Personal Accident insurance?
  • What is the difference between Public Liability and Professional Indemnity?
  • What is Directors' and Officers' Liability Insurance'?
  • How does Directors' and Officers' cover differ from Professional Indemnity cover?
  • What are tenant's improvements?
  • Does the policy cover us if we are charged under the Corporate Manslaughter Act 2008?
  • What activities are included?
  • Are we covered for using a bouncy castle?
  • Do we have to register under the Childcare Act 2006 to take out the policy?
  • Are voluntary workers covered under Public Liability or Employers' Liability?
  • Can we take on young people to help at the premises for work experience?
  • Are we covered for giving medication?
  • Does the policy cover children with special needs?
  • Are we covered for going on outings?
  • What age of children does the policy cover?
  • Does the policy cover older children?
  • Does the policy cover out of school clubs and holiday play schemes?
  • Are the children of staff members who join in the activities covered by the policy?
  • Are carpets and flooring covered by the policy?
  • Does the Nursery Contents section cover sheds and contents of shed?
  • How much should I insure my building for?
  • How much revenue should I insure for?
  • What is underinsurance and why is it so important?
  • Can I take the policy out online and renew online?
  • What is an ERN Number and why do I need to disclose it
  • What is our 'Legal Status', as requested on the proposal form?

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

Family run friendly business

Easy to arrange insurance cover – online quotations available

No call centre, just personal and honest service

Helplines for tax, health, medical, domestic and counselling services 24 hrs a day, 365 days a year at no extra cost

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