Preschool Insurance

Support for your business. Protection for your children

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

Specialist insurance & risk management solutions for pre-schools, Montessori schools, playgroups, kindergartens and creches

As the longest serving insurance broker in your sector, you can trust us to deliver insurance protection designed to work for your business, your staff and the children in your care.

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 support 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 preschool insurance policy for me?

We understand your business will often have a variety of specialised needs. Our Preschool insurance policy is designed for UK-registered, sessional care providers for children on non-domestic premises including preschools, Montessori schools, playgroups, and kindergartens, creches and smaller nurseries that do not require or wish to benefit from the additional sections of cover and higher inner limits provided under the nursery policy.

To assist you in selecting the policy that's most suitable for your needs, a full comparison of the limits and covers provided under the Nursery and Preschool policy can be found in our policy comparison document.


2 young girls painting together at a table.

What makes us different?

Our knowledge, expertise and longevity within the childcare sector enables us to provide you with tailored insurance solutions and services designed to meet the needs of your business including:

  • a dedicated, expert team trained to understand the needs of the childcare and education sector and the challenges you face every day.
  • access to over 60 RoSPA-accredited or CPD-certified online training courses from award-winning flick learning for all your staff.
  • 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.

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

What's covered?

Based on our extensive experience within the sector, and by regularly reviewing the marketplace, we continuously track the development and requirements of the industry to ensure this is reflected in the cover we provide through our preschool insurance policy.

Our preschool policy is made up of a number of different components to help protect your business from everyday risks and automatically includes:

  • Business interruption
  • Public and products liability
  • Professional indemnity
  • Legal expenses
  • Employee dishonesty

It also helps protect your business’ people and your property by automatically including:

  • Employers' liability
  • Portable equipment anywhere in the UK
  • Equipment breakdown
  • Money
  • Contents
  • Personal accident (for staff and children) & personal assault
  • Officials' personal money and personal effects
  • Children's personal effects.

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.

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 60 RoSPA accredited and CPD-certified online training courses from award-winning 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 provides expert advice 24 hours a day, 7 days a week on business-related legal matters including employment law and disputes.  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).

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
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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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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.

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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