Insurance for Parent & Toddler Groups

 Protect your business and the children in your care

A parent with two toddler children on her knee.

Specialist insurance for voluntary and charitable parent & toddler groups

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.

Is this the right policy for me?

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 as these baby and toddler group insurance policies can prove to be vital protection when in unfortunate situations. 


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.

*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.

Do I need insurance for a mother and toddler group?

From time-to-time unfortunate eventualities can also arise that can seem unpredictable. Accident liability to equipment breakdown can cost your group essential funding which can carry financial implications. However, the flexibility of our insurance for parent and toddler groups can actively defend your organisation from a variety of circumstances, allowing you to focus on what really matters. Please refer to our policy summary and policy wording for more information. 

Father and young daughter playing with toys

Why choose Morton Michel for your toddler group insurance?

Our knowledge, experience and longevity within the sector enables us to provide you with flexible cover and additional benefits to help you run your business 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 or CPD-certified online training courses from 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.

*ChildCare Club, Flick Learning, Building Blocks by Morton Michel and PIB Employee Benefits are not FCA regulated products, they are provided as additional benefits to Morton Michel policyholders and may be changed or withdrawn at any time.

Our Parent & Toddler Group insurance policy offers three coverage options: Essential, Extra, or Executive, 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 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 access to over 80 RoSPA accredited and CPD-certified online training courses from 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.

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).

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.

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 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.

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