Insurance for Children's Groups
Protect your business and the children in your care.
Morton Michel offers commercial insurance for children's activity groups
This policy is for people who organise kid’s clubs and activity groups to help with children's development, or provide entertainment.
We cover most entertainment activities offered to children, including offering insurance for kid’s mindfulness clubs and soft play hire. If in addition to delivering regular children's activities, you provide adult-only sessions, this policy may still be suitable for you.
Is this the right policy for me?
Kids club insurance is not suitable for running a holiday club, offering adult only training and activities, or coaching sports. You can find alternative protection for these here:
- If you are an out of school or holiday club providing wraparound care and supervised play-led learning, look at our Out of School Insurance policy.
- If you provide activities for adults and not children, look at our Education and Training or Community Group Insurance.
- If you provide sports coaching, look at our Children's Sports Coaching insurance.
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.
Why choose Morton Michel for your children's activity group insurance?
We have been working and supporting the Children's Activities sector for nearly 50 years and understand the importance that children's activity providers bring to a child's learning and development. We are committed to supporting you and your business, and are pleased to offer these additional benefits at no cost:
- a dedicated, expert team who understands the requirements of the childcare and education sector and the challenges you face every day.
- access to over 80 RoSPA-accredited or CPD-certified online training courses from flick learning for all your staff.
- training and discounts for you and your staff through our exclusive ChildCare Club.
- access to our exclusive Employee Benefits Hub 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.
Levels of Cover Available
Our insurance for children’s groups is available in three levels of cover so you can choose the right insurance needed for your children's activity group:
Essential cover
Provides cover with employers', product, treatment and public liability insurance for children’s activity clubs. You also get professional indemnity cover and legal expenses protection.
Extra cover
Provides the same protection as Essential, but also provides cover for portable equipment and money:
- Portable equipment cover in case of damage or theft, including from your vehicle overnight
- Loss of money cover in transit, or in your business
Executive cover
Provides the same level of protection as Essential and Extra, but also includes further cover including:
- Contents cover of £5,000
- Equipment breakdown up to £5,000,000
- Business interruption at £100,000.
- Personal accident protection for officials and children
- Employee dishonesty at £25,000
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.
Children's Activities Association
Morton Michel is proud to be a founding member of the Children's Activities Association.
The Children's Activities Association is a not-for-profit group helping parents, schools, and nurseries raise the standard of children's activities. They also aim to help more families access to these excellent activities.
Our shared beliefs in raising professional standards in the unregulated activity sector are important to us and we're proud to support the CAA in this area.
Our Children’s Activities Group insurance allows you to choose from three levels of cover; Essential, Extra or Executive cover, which means you only pay for the cover you need.
What's covered?
Essential
Extra
Executive
Employers' liability
Public and products liability
Treatment liability
Professional indemnity
Legal expenses
Portable equipment
Money
Contents
Equipment breakdown
Business interruption
Personal accident for officials and children
Employee dishonesty
Optional sections of cover you can choose, at an additional cost when purchasing your insurance include:
Want to extend your cover?
Essential
Extra
Executive
Directors' trustees' and officers'
Personal accident for officials and children
Automatically included
Cyber
Trustees' and officers' financial liability
Loss of registration including temporary suspension of registration
Terrorism
Buildings
Tenants improvements
Added benefits for children's activity groups
In addition to the standard cover you would expect with your Children's Activity Group insurance, we offer a range of value-added benefits to support your business and staff including:
You will receive a multi-user licence to access over 80 RoSPA accredited and CPD-certified online training courses from flick learning for use by everybody connected to your business. Click here to view some frequently asked questions about flick learning.
Employee Benefits
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.
Risk Management*
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.
Legal Helpline
ARAG plc provides expert advice on a range of business-related legal and tax matters including employment and law disputes. Helplines are subject to fair and reasonable use and will only incur the cost of the call (unless otherwise stated).
Legal Document Centre
Providing access to 100's of legal documents (with smart document building feature) to assist with running your business.
Counselling Service
Access to a confidential mental health counselling helpline through ARAG, operated by trained counsellors 24 hours a day, 7 days a week. Helplines are subject to fair and reasonable use and will only incur the cost of the call (unless otherwise stated).
Tax Helpline
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.
Identity Theft Resolution Service
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).
*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
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Minibus
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Home
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Stakeholder protections (EB)
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Unoccupied property
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Babysitters
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.
Business Interruption
This type of cover can also be known as Loss of Revenue or Consequential Loss Insurance.
Find out more
Directors' and Officers' Insurance
Protect your future with Directors' and Officers' cover from Morton Michel.
Find out more