Parent & Toddler Insurance

For voluntary and charitable organisations

A parent with two toddler children on her knee.

Specialist insurance for voluntary and charitable parent & toddler groups

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, your business, your staff and visitors to your group.

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.

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.

Is this the right policy for me?

Our Parent and Toddler Group insurance policy has been designed for voluntary or charitable organisations offering free play for children aged five years and under, where their parent, carer or guardians are responsible for their supervision at all times.

If you provide instructor-led activities for children aged five and under, such as mini-gym, dance or sports coaching you should consider applying for Children’s Activity Providers or Children’s Sports Coaches insurance.


Father and young daughter playing with toys

What makes us different?

Our knowledge, expertise and longevity within the sector enables us to provide you with the flexible cover and additional benefits to help you run 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.
  • 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 Parent & Toddler Group insurance policy comes with the choice of three easy- to-arrange packages; 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?




Employers' liability

Public and products liability

Treatment liability

Professional indemnity

Legal expenses

Portable equipment



Equipment breakdown

Business interruption

Personal accident for officials and children

Employee dishonesty

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 by clicking policy wording. 

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

Automatically included


Trustees' and officers' financial liability

Loss of registration including temporary suspension of registration



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. 

Added benefits for parent and toddler groups

In addition to the standard cover you would expect with your Parent and Toddler Group insurance, we offer a range of value-added benefits to support your business and staff including:

You will receive a licence to access over 60 RoSPA accredited and CPD-certified online training courses from award-winning 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
  • Motor
  • Minibus
  • Home
  • Property owners
  • Stakeholder protections (EB)
  • Unoccupied property
  • Babysitters
Family sitting in a meadow looking out at the view

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.

Someone typing on a laptop.

Cyber Insurance

What you need to know about Cyber Liability and your business.

Find out more
A photograph of a woman using a calculator and laptop on a desk.

Business Interruption

This type of cover can also be known as Loss of Revenue or Consequential Loss Insurance.

Find out more
Some paperwork with the title 'Directors and Officers Liability Insurance.

Directors' and Officers' Insurance

Protect your future with Directors' and Officers' cover from Morton Michel.

Find out more