Insurance for Preschools

Protect your business and the children in your care.

A photograph pre school child painting with the help of a childcare worker.

Specialist preschool insurance & risk management solutions.

Morton Michel offer protection for pre-schools, Montesorri schools, playgroups, kindergartens and creches. 

Our Preschool insurance is for UK-registered care providers for children from the age of two. If you provide sessional based care in a preschool, Montessori school, playgroup or kindergarten this is the right policy for you, offering:

  • Preschool professional indemnity insurance cover up to £500,000
  • Preschool liability insurance:
    • Preschool employers’ liability cover up to £10,000,000
    • Preschool public liability cover up to £5,000,000
    • Preschool product liability cover up to £5,000,000
  • Buildings insurance for preschools: optional
  • Preschool trustee indemnity insurance: optional


Is this the right policy for me?

If you require higher levels of insurance protection you might want to consider our Nursery Policy. If you're not sure which policy is right for you, a full comparison of our Nursery and Preschool policies can be found in our policy comparison document.

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.

One child painting using a brush whilst the child next to him looks on.

What else is covered with a preschool insurance policy?

We regularly review the marketplace, monitoring and tracking the development and requirements of the preschool industry, so as well as the insurance cover detailed above, our preschool policy provides you with:

  • Preschool business interruption cover up to £100,000
  • Legal expenses for preschools up to £100,000
  • Employee dishonesty up to £25,000
  • Portable equipment anywhere in the UK, including theft from a car overnight, up to £1,000
  • Equipment breakdown up to £5,000,000
  • Children's personal effects up to £250

You can view our policy summary guide for details of the significant policy benefits, conditions and limits. Full terms and conditions can be found in the policy wording.

2 young girls painting together at a table.

Why choose Morton Michel for your preschool insurance?

Our knowledge, experience and longevity within the childcare industry means we can provide you with tailored insurance solutions and services designed specifically for the needs of your preschool, 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 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.

Want to extend your cover?

Optional sections you can choose, at an additional cost, when purchasing your insurance include: 

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  • Loss of Registration including Temporary Suspension of Registration
  • Directors’, Trustees’ and Officers’ Liability
  • Tenants' Improvements
  • Building insurance
  • Terrorism
  • Cyber Crime
  • Trustees' and Officers' Financial Liability

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 preschools

With over 56 years in the childcare sector delivering tailored insurance and risk management solutions, we understand the needs of the early years sector. In addition to the standard cover you would expect, we offer a range of value-added benefits.*

You will receive a multi-user licence to access over 70 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.

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).

More insurance for your childcare business

Additional insurances

Morton Michel can arrange the following insurance policies for you, at an additional cost:

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  • Minibus
  • Home
  • Motor
  • Stakeholder protections
  • 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.

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Business Interruption

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

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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