Nursery Insurance

Protect your business and the children in your care.

Children in a nursery, playing with musical instruments.

Specialist insurance & risk management solutions for day nurseries

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. Our expertise in the sector means we can support you with more than just insurance.

Our consultative approach takes the time to really understand the unique risks to your business to arrive at the level of protection your business and reputation deserves. A partnership with Morton Michel means your business is in safe hands. 

You’ll get 24/7 access to our online portal, so where there is a need to download documents or even make an urgent change to your policy outside of business hours, you are always in control of your policy. Support is on hand every day for Morton Michel customers through cost saving benefits, advice and support for your business and employee benefits for your staff.


Is this the right policy for me?

We understand your business will often have a variety of unique needs and our specialist Nursery insurance 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.

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.

A child smiling and playing with brightly coloured blocks.

What's covered?

We ensure our Nursery insurance policy is up to date with the latest industry developments and requirements by constantly reviewing the marketplace and drawing on our extensive experience within the sector.

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

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

  • Employers' liability insurance
  • 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.

A child using a brightly coloured abacus.

Why choose Morton Michel for your nursery insurance?

Our knowledge, experience 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, 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.

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

How much does Nursery Insurance cost in the UK?

Nursery business insurance varies in cost depending on your day care's needs and any extra coverage you require over a standard package. You will be given the option to add additional cover before receiving your final nursery insurance quote.  

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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 policy wording.


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

Morton Michel added benefits for nurseries

You will receive a multi-user licence to access over 80 RoSPA accredited and CPD-certified online training courses from flick learning for use by everybody connected to your business. 

Flick learning is compatible on any device, you can assign courses to your staff depending on their role and training requirement and the administrator function allows easy reporting for Ofsted inspections. Flick also has a handy live chat function available to you and your staff 365 days a year.

Click here to view some frequently asked questions about flick learning.

The benefits portal allows you and your employees access to many genuine market-leading retail discounts. There is no cost to this service; as well as taking advantage of the discounts yourself, it allows you to bolster the employee benefits package you offer your staff, with no additional cost or commitment to your business.

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.

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
  • 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 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.

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.

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