Early childhood business insurance

Comprehensive cover for buildings, plant and stock protection including: 

• Buildings cover
• Discounted commercial rebuild valuation service; up to 50% off standard fee through Construction Cost Consultants
• Blanket cover for contents to minimise the risk of underinsurance 
• Replacement of electronic items up to 10 years old

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.

Infectious diseases cover is included in our Child Proof policy. 

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:

• Directors and officers liability
• Trustees liability 
• Employer's liability 
• Statutory liability 
• Criminal defence legal costs

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

Some of our additional cover options and benefits include:  

• Commercial motor vehicle cover 
• Workplace risk management service
• Discounted premiums for landlords of child care facilities 
• Discounted premiums for Early Childhood Council members 

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

For all property claims: 

• Phone us on 0800 252 461 
• For urgent out of hours assistance phone 0800 CROMBIE
• Download a claim form and return to claims.team@crombielockwood.co.nz
  • Property claim form (3.4MB) - interactive forms work best with Nitro PDF reader
  • Property claim form - printable version (PDF, 191KB)

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 

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.

For all liability claims: 

• Phone us on 0800 252 461 
• For urgent out of hours assistance phone 0800 CROMBIE
• Download a claim form and return by email to claims.team@crombielockwood.co.nz
  • Liability claim form - printable version (PDF, 209KB) - interactive form works best in Nitro PDF reader
  • Liability claim form (PDF, 551 KB) 

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.

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

• Download and complete an employment disputes notification form  (PDF, 44KB) and email it to claims.team@crombielockwood.co.nz
• Phone us on 0800 252 461 

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 harassment 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. 

• Access policy wordings here  by entering the policy code found on your insurance schedule.
• If your policy is not listed please contact our early childhood business specialists.