Insurance for Out of School Clubs
Protect your business and the children in your care.
Morton Michel Out of School insurance
Insurance 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.
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.
Levels of Cover Available
Our Out of School insurance is available in three levels of cover:
Essential 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.
Extra cover
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
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
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, 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, 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.
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
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
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 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.
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-
Minibus
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Home
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Motor
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Stakeholder protections
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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