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We've been working with the early childhood sector for over twenty years, and currently arrange insurance for more than 2000 childcare centres, kindergartens and playcentres.
We offer insurance solutions to cover the diverse risks associated with managing early childcare businesses. We work with:
Child Proof is an insurance package specifically designed by Crombie Lockwood for early childhood businesses. It provides cover for liability, business interruption and property risks, with additional options and benefits available.
Business interruption insurance can minimise 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.
Child Proof includes cover for a range of management liability risks.
Management liability insurance can protect your business and assets if a director or manager conducts illegal or unethical practices that result in losses.
Management liability insurance includes directors’ and officers’ liability, trustee liability and employment disputes.
Criminal defence costs are also included.
Cyber insurance helps your business manage and 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:
To find out about more insurance solutions for your childcare business speak to a broker.
For all property claims:
In case of damage:
In case of theft or loss of property the insurer will require:
For motor vehicle claims:
For all liability claims:
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:
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.
Insurance solutions for New Zealand schools
Safer Schools is a service to help schools develop their health and safety programmes.
Insurance solutions for childhood centres, kindergartens and play centres.
Cover for international students while they study and travel in NZ.