Out of School Insurance

Support for your business. Protection for your children

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Specialist insurance and risk management solutions for out of school and holiday clubs

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

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 to supporting our policyholders and provide key information to help you make informed decisions regarding your insurance options.

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

Is this the right policy for me?

Our Out of School and Holiday Club insurance is specifically designed for single or multiple settings, providing wraparound care and supervised play-led learning, either before or after school hours or outside of term time. 
 
Our insurance is aimed at clubs who cater for children who usually attend school and young adults with special educational needs up to the age of 16.

If you provide activities focused on the entertainment and/or development of children, such as dance you will need to consider applying for the Children’s Activity Providers insurance. If you are providing sports coaching, you will need to consider applying for the Children’s Sports Coaches Insurance.

 
Three children playing with a colourful kite.

What makes us different?

We've been working with the out of school sector since 1995 and our knowledge, expertise and longevity within the sector enables us to provide you with flexible insurance solutions and services 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.

Our Out of School and Holiday Club insurance comes with three easy- to-arrange packages to choose from; Essential, Extra or Executive cover, which means you only pay for the cover you need. Cover can be quickly and easily purchased online and, depending on your individual requirements, there is a range of additional options and limits available.

What's covered?

Essential Cover

Extra Cover

Executive Cover

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

Policy conditions and limitations can be found in the policy summary document and the full terms and conditions within the policy wording.

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

Policy conditions and limitations can be found in the summary document and the full terms and conditions within the policy wording.

Morton Michel Added Benefits for Out of School Clubs

In addition to the standard cover you would expect, we offer a range of value-added benefits to support your business, staff and the children you coach including:

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
  • Minibus
  • Home
  • Motor
  • Stakeholder protections
  • 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.

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Additional information about insurances for your childcare business.

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