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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:
Your early childcare business insurance policy and COVID-19 - 30 March 2020
Clients who hold business interruption cover as part of their early childhood business insurance are advised of the following, for issues or claims related to the current COVID-19 outbreak.
A COVID-19 exclusion will be applied for new policies and future renewals. This exclusion is not unique to our scheme but is being applied to pandemic policies worldwide by insurers. (Note that claims will be paid for the continuous closure period that commenced March 24 2020, up to a maximum of the policy cap regardless of your policy renewal date.)
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.
Comprehensive cover for buildings, plant and stock protection including:
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:
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:
To find out about more insurance solutions for your childcare business risks 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.
Schools insurance makes sure your school’s property and reputation are secure.
The Principal's Federation legal support scheme provides immediate access to expert legal assistance when needed.
Safer Schools is a risk management service to help schools develop their health and safety programmes.
Cover for international students while they study and travel in New Zealand.
Cost effective – early childhood education Insurance solutions for kindergartens, childhood centres and play centres.