Morton Michel Out of School insuranceInsurance for out of school clubs is suitable for settings that provide wraparound care and offer supervised play-led learning. This can be either before or after school hours and outside of term time. This is aimed at those who are usually in school and those with special needs up to the age of 16.
Is this the right policy for me?
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.
*If you are an existing policyholder and your policy was taken out prior to the 1st December 2023, please log in to your Morton Michel portal to see your current Policy Documents or call us on 0300 058 9861.
Levels of Cover Available
Our Out of School insurance is available in three levels of cover:
Provides cover with employers’, product, treatment and public liability insurance for out of school clubs. You also get professional indemnity cover and legal expenses protection.
Provides the same protection as Essential, but also includes 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
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
Why choose Morton Michel for Out of School Club insurance?
We've been working with the out of school sector since 1995 so we understand the insurance needs of out of school clubs. We offer flexible insurance solutions and services, including:
- a dedicated, specialist team who understands the requirements of the childcare and education sector and the challenges you face every day.
- access to over 80 RoSPA-accredited, 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.
Our Out of School Club 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.
Public and Products Liability
Personal Accident for officials and children
Optional sections of cover you can choose, at an additional cost when purchasing your insurance include:
Want to extend your cover?
Directors' Trustees' and Officers'
Personal Accident for Officials and Children
Trustees' and Officers' Financial Liability
Loss of Registration including Temporary Suspension of Registration
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 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.
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.
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.
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).
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
Morton Michel can arrange the following insurance policies for you, at an additional cost:contact us
Insurance for the family
Morton Michel policyholders can benefit from discounted insurance on the following leisure and lifestyle policies from our sister company, Thistle Insurance Services Limited. The discount code is available to Morton Michel policyholders in the Morton Michel ChildCare Club.
Please see the websites below for details of the products offered by Thistle Insurance Services Limited.
Take a look at our helpful articles
Additional information about insurances for your childcare business.
This type of cover can also be known as Loss of Revenue or Consequential Loss Insurance.Find out more