Household Insurance
Home insurance for NICMA members
Household Insurance for NICMA members
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.
Established in 1964, we pride ourselves on delivering high-quality insurance, risk management and service solutions tailored specifically for the childcare and education sectors. We are committed in supporting our policyholders and provide key information to help you make informed decisions regarding your insurance options.
Is this the right policy for me?
Working in childcare, we understand your business will often have a variety of specialised needs. We approach a panel of household insurers who can provide the appropriate business use for your childcare business.
Want to extend your cover?
Optional sections of cover you can choose, at an additional cost, when purchasing your insurance include:
Contact Us- Accidental Damage Cover: You can extend the cover to include accidental damage cover on buildings and contents. This will cover damaged caused by the children that are childminded but excludes cover for damage caused by wear and tear or anything that happens over time and cover for contents in the open or while the home is unoccupied or unfurnished.
- Home Emergency Cover: As a homeowner, you can cover yourself for an emergency relating to plumbing and heating (domestic power supply). This excludes cover for solar heating systems and heating systems 15 years or older.
- Legal Cover: In case a claim is brought against your business by staff or customers, providing the claim has a reasonable chance of success.
Frequently Asked Questions
I’m a childminder looking after other people’s children in my own home as my job. What should I look for in a policy?
Many standard home insurance policies do not typically cover running a childminding business from your home, due to the additional risks of this (for example, more people in your home can increase the chance of accidental damage). It’s important to check how many children the insurer allows you to mind at one time and whether the policy explicitly covers business activities in your home.
If a childminded child accidentally causes damage to my property, for example, by damaging my TV or carpet, am I covered?
Some policies include accidental damage, which can cover damage caused by minded children, but this is not standard. Always check whether accidental damage is included with your policy and whether it explicitly covers the risks associated with running a childminding business from your home. If you are unsure, speak to your insurer or broker.
How should I calculate the value of my contents?
You should consider the total cost of replacing all your home contents if you were to buy them new. Contents typically include everything you would take with you if you moved house, for example, curtains, furniture and freestanding appliances.
I have a childminding assistant working with me in my home. Am I covered if they accidentally damage my contents or possessions?
Optional extended accidental damage cover may protect against damage caused by your assistant, the children, or yourself while carrying out childminding activities. Not all insurers provide this as standard, so always check the policy details and speak to your insurer or broker if you are unsure what is and is not covered.
Does my home insurance cover me if a minded child is injured as a result of my negligence?
In many cases, injuries to minded children due to your negligence are, if covered at all, dealt with under business public liability insurance rather than home insurance. Registered childminders are generally expected to have appropriate public liability insurance in place - please check requirements with your regulator or registration body and refer to your public liability policy documents for full details of the cover provided.
Does my home insurance cover my childminding assistant’s personal possessions while they’re working with me?
Cover for other people’s possessions varies by insurer and policy. As your assistant is not the policyholder, their personal possessions would usually be covered by their own home insurance policy if needed, although some policies may provide limited cover for visitors’ belongings. You should check your policy wording to confirm what is and is not covered.
Important Information: You should always refer to your policy documents to confirm the level of cover provided. Cover and eligibility will always depend on the insurer’s underwriting criteria and the applicable policy terms, conditions and exclusions.