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Early childhood business insurance

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Early childhood business insurance

We've been working with the early childhood sector for over twenty years, and currently provide insurance cover to more than 1500 childcare centres, kindergartens and playcentres. We offer a range of insurance solutions to meet the diverse and unique risks associated with early childcare businesses. We have insurance packages to suit providers including:

  • Early childhood centres and kindergartens 
  • Out of school care and recreation programmes
  • Home-based care

Child Proof 

Child Proof is our market leading insurance scheme,  protecting New Zealand's early childhood businesses. It provides broad, cost-effective cover for liability, business interruption and property risks, with additional options and benefits available. 

CHILD PROOF OPTIONS AND BENEFITS
Property

Comprehensive cover for buildings, plant and stock protection including: 

  • Buildings cover, with discounted commercial rebuild valuation service
  • Blanket cover for contents to minimise the risk of underinsurance 
  • Replacement of electronic items up to 10 years old
Business interruption

Business interruption insurance minimises the financial impact on your business, if an interruption to normal operations occurs after a physical loss of business assets. It’s designed to help you carry on through the event and after the damage has been repaired.

Pandemic cover is included in our Child Proof policy. 

Liability

Child Proof includes cover for an extensive range of management liability risks. If a director or manager conducts illegal or unethical practices that result in losses, management liability will protect assets and the business. Management liability insurance has many levels of cover, including:

Cyber insurance

Cyber insurance helps your business recover from a cyber event such as a virus, ransomware or malware infection, loss of data and privacy breaches. 

Additional options and benefits

Some of our additional cover options and benefits include:  

To find out about more insurance solutions for your childcare business risks speak to a broker. 

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Request a quote for your early childhood business, or get in touch to discuss your insurance requirements.

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CHILD PROOF FORMS AND DOCUMENTATION
Property claims

For all property claims: 

 In case of damage:

  • take steps to make the area safe
  • take steps to prevent further damage
  • take photos of the damage
  • for water damage to carpet call Chemdry on 0800CHEMDRY and let them know you are insured by Vero through your Crombie Lockwood broker

In case of theft or loss of property the insurer will require: 

  • proof of ownership
  • police report or file number
  • quote to replace with like-for-like item 
Motor claims

For motor vehicle claims: 

  • Phone 0800 837 648 and quote your policy number 'ECC...'
  • Damage to windscreens does not require a claims form. The insurer's preferred suppliers are Novus and Smith and Smith, who only require your policy number for repairs.
  • The insurer can provide a list of approved repairers.
Liability claims

For all liability claims: 

  • Phone us on 0800 252 461 
  • For urgent out of hours assistance phone 0800 CROMBIE
  • Download and complete a liability claim form and email it to childcareinsurance@crombielockwood.co.nz 

It's important that you do not make any admission of liability as this might impact your claim.

For employment disputes please follow the procedure below and contact our claims department on 0800 252 461 to advise of any situation that could potentially lead to a staff grievance.

Employment disputes

Where an employment issue arises that may lead to a claim you must notify us: 

It it is a condition of the liability policy that you must seek advice from an employment law specialist before any action is taken. Failure to do so may result in a claim not being covered. Employment issues include: performance and competency concerns; disciplinary and misconduct issues; dismissals; and harrassment allegations.

The Early Childhood Council provides members advice on employment matters through their helpline 0800 742 742 and is an accepted alternative to law practitioners. 

 

Policy wordings