Childcare & Business Combined Insurance

Specialist insurance & risk management solutions

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Childcare and Business Combined Insurance

As the longest-serving insurance broker in your sector, you can trust us to deliver insurance protection that is designed to really work for you, your business and staff.

Established in 1964, we pride ourselves on delivering high-quality insurance, risk management and service solutions. We offer a consultative approach that means we take the time to really understand the unique risks to your business and provide key information to help you make informed decisions regarding your insurance options.

New Customer

If you're a new customer, then we can point you in the right direction.

Existing Customer

If you are an existing policy holder, we are here to help.

Is this the right policy for me?

Our Childcare and Business Combined insurance policy is specifically designed for businesses offering multiple types of childcare settings across multiple locations. It also caters for businesses that are diversifying from the traditional styles of childcare by providing bespoke services and activities.

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What makes us different?

Our knowledge, expertise and longevity within the childcare and surrounding sectors enables us to provide you with tailored insurance solutions and services that are designed to meet the needs of your business including:

  • a dedicated, expert team trained to understand the challenges you face every day.
  • access to over 60 RoSPA-accredited or CPD-certified online training courses from award-winning flick learning for all your staff.
  • training and discounts for you and your staff through our exclusive ChildCare Club.
  • access to an exclusive discount portal offering a wide range of retail discounts from well-known high street stores, which can be passed on to employees and their families.

*Morton Michel ChildCare Club Benefits, flick learning, and the Employee Benefits Hub do not form part of the FCA regulated products. These are provided as an additional service.

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What's covered?

Based on our extensive experience within the sector, and by regularly reviewing the marketplace, we continuously track the development and requirements of the industry to ensure this is reflected in the cover we provide through our Childcare and Business Combined insurance policy.

Our Childcare and Business Combined policy is completely flexible, so you can build a tailored policy to protect your business from everyday risks. Here are some of the covers available to you:

  • Business interruption
  • Loss of registration including temporary suspension of registration
  • Directors', trustees' and officers' liability
  • Public and products liability
  • Professional indemnity
  • Legal expense
  • Employee dishonesty
  • Terrorism
  • Cyber crime

It also helps protect your business' people and your property by having available to you:

  • Employer's liability
  • Tenants improvements
  • Buildings and content
  • Portable equipment anywhere in the UK
  • Equipment breakdown
  • Money
  • Personal accident (& personal assault)
  • Officials' personal money and personal effects
  • Children's personal effects
  • Trustees' and officers' financial liability

You can view the policy summary guide for details of the significant policy benefits, conditions and limits. Full terms and conditions can be found in the policy wording.

Morton Michel added benefits

You will receive a multi-user licence to access over 60 RoSPA accredited and CPD-certified online training courses from award-winning flick learning for use by everybody connected to your business. Click here to view some frequently asked questions about flick learning.

For all policyholders, we offer free access to a wide range of market-leading retail discounts that you can pass on to your staff and their families.

PIB Risk Management focuses on providing simple, creative and effective solutions to risk management, that really work in the workplace with tailored solutions for your business.

You will receive automatic entry to our ChildCare Club; a hub of additional discounts and benefits designed to support you, your staff, and your business.

Expert advice on business-related legal matters including employment law and disputes, provided through ARAG, 24 hours a day, 7 days a week. Agreement to be confirmed prior to taking action. 

Providing access to 100's of legal documents (with smart document building feature) to assist with running your business.

Access to a confidential mental health counselling helpline through ARAG, operated by trained counsellors 24 hours a day, 7 days a week.


Your query will be dealt with by a qualified specialist experienced in handling tax-related matters. This service is available Monday to Friday from 9am - 5pm.

Available to principals, executive officers, directors, and partners of your business to help keep your personal identity secure. Open Monday to Friday 9am to 5pm (excluding bank holidays).


Morton Michel ChildCare Club Benefits including flick Learning and the Employee Benefits Hub do not form part of the FCA regulated products. These are provided as additional services.

*Risk Management is provided at an additional cost.

More insurance for your childcare business

Additional Insurances

Morton Michel can arrange the following insurance policies for you, at an additional cost:

contact us
  • Motor
  • Minibus
  • Home
  • Stakeholder protections (EB)
  • Unoccupied property
  • Babysitters
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Insurance for the family

Morton Michel customers can also benefit from discounted insurance on the following leisure and lifestyle policies from our sister company, Thistle Insurance:

Take a look at our helpful articles

Additional information about insurances for your childcare business.

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Business Interruption

This type of cover can also be known as Loss of Revenue or Consequential Loss Insurance.

Find out more
Some paperwork with the title 'Directors and Officers Liability Insurance.

Directors' and Officers' Insurance

Protect your future with Directors' and Officers' cover from Morton Michel.

Find out more
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Cyber Insurance

What you need to know about Cyber Liability and your business.

Find out more