Nursery Insurance

Specialist insurance & risk management solutions for day nurseries.

Children in a nursery, playing with musical instruments.

Specialist insurance & risk management solutions for day nurseries

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

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?

We understand your business will often have a variety of specialised needs and our Nursery insurance policy is designed for UK registered full day care providers for children on non-domestic premises. This includes nurseries and larger preschools, Montessori schools, playgroups and kindergartens that wish to benefit from the additional sections of cover and higher inner limits provided under this policy.

A full comparison of the limits and covers provided under the Nursery and Preschool policy can be found by viewing our policy comparison document.

A child using a brightly coloured abacus.

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 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.

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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 Nursery insurance policy.

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

  • Public and products liability
  • Professional indemnity
  • Treatment liability
  • Legal expenses
  • Business interruption
  • Loss of registration including temporary suspension of registration
  • Directors', trustees' and officers' liability
  • Employee dishonesty

It also helps protect your nurseries' staff, children and your property by automatically including:

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

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.

Want to extend your cover?

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

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.

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  • Building insurance
  • Terrorism
  • Cyber crime
  • Trustees' and officers' financial liability

Morton Michel added benefits for nurseries

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


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.

All nursery policyholders have FREE access to our exclusive Building Blocks Risk Management Service!

Building Blocks by Morton Michel is an intuitive system solution that includes a range of modules to radically enhance your management of risk and compliance, including specially tailored content, policies and templates for the childcare sector.

Click here to find out more.

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
  • Household
  • 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