Public liability insurance
All professional childminders should hold appropriate public
liability insurance to cover them in their work with children.
NCMA's insurance policy, underwritten by Royal & Sun
Alliance Insurance plc, has been specially designed for
childminders by people who understand childminding. Each year, NCMA
and the insurers look at all the claims that have been made and the
questions that members have asked about their insurance cover.
Then, if it's possible, the insurance is amended to make sure it
meets members' needs.
You can get public liability insurance cover with your NCMA
membership — which represents excellent value for money.
If you employ another childminder you'll need employer's liability insurance. Call NCMA on 0845
880 0044 to arrange this.
The cover under the policy can be summarised as
follows:
- Legal liability for or arising out of:
- Accidental injury (including death) of any person in the care
of the Insured Childcarer (including costs and expenses incurred in
defending any matter forming such claim).
- Accidental loss or damage caused to a third party or the
property of the third party in the course of their childcare
activities.
- Nuisance or trespass.
- Accidental injury caused by the incorrect application of
first-aid treatment.
- Administering medication/treatment (provided written parental
permission has been obtained).
- Children being left in the care of another adult during an
emergency.
- Damage to property including childminded children's property.
Subject to an excess £50.00 in respect of childminded children's
property. (1)
- Exhibitions, crèches, meetings and outings run for, and on
behalf of, Registered Childminders. (1)
- Registered Childminders operating from a British Armed Forces
base outside the UK. (1)
- Accompanying parents on holiday abroad. (3)
- Babysitting children in the family's home providing you have
completed an NCMA Babysitting Checklist (available from the
NCMA shop) and had it signed
by the children's parents to show you've carried out a risk
assessment of the house and have sufficient information about the
children and how to contact the parents in an emergency.
Extensions to the policy
- Legal cost of defending civil actions arising out of the
above.
- Motor contingency liability.
- Member-to-member indemnity.
- Employer's liability cover (see note opposite). Limit £10
million in any one event inclusive of all costs. (1) (2) only on
request and only applicable to childminders.
Key exclusions to the public liability insurance policy
arising out of:
- Ownership possession or use of any motor vehicle or water-borne
craft
- Abuse or physical punishment carried out by the insured
member.
- Loss of or damage to the Insured member's own property, or
property in their custody or control.
- Bodily injury to or death disease or illness of the
Insured member's own children.
- Children's property in the care of an over 7's childminder or
nanny
- The employer's property. (applicable to nannies only)
- The first £50 of any claim arising out of loss or damage to
childminded children's own property.
NCMA is authorised and regulated by the Financial Services
Authority.
No. 310339.