ALDIUM Insurance
At Aldium Insurance, we are a trusted partner for nursery insurance solutions tailored to meet the unique needs of early years childcare providers across the UK. Whether you operate a nursery school, daycare centre, preschool, forest school, or out-of-school club, our comprehensive insurance packages are designed to protect your business, your staff, and the children in your care.
As a specialist insurance broker with over 25 years of experience in the care and early years sector, we understand the specific risks that nursery providers face — from safeguarding-related liabilities and Ofsted regulatory requirements, to the day-to-day risks of working with young children in a busy, active environment. Standard commercial policies rarely provide adequate cover for these exposures, which is why a specialist nursery policy through Aldium is so important.
We work with a wide panel of specialist insurers who understand the early years sector, searching the market on your behalf to find the most comprehensive and competitively priced cover available. Our team will take the time to understand your specific operation before making a recommendation — ensuring your policy accurately reflects your provision and leaves no gaps in your protection.
Our nursery insurance can include:
Let our nursery insurance specialists compare the market and find the right policy for your setting. Complete the form and we'll be in touch promptly.
Or call us: 0151 336 5881
Nursery insurance is a specialist package designed to address the unique risks faced by early years providers. Cover can be tailored to include:
Public LiabilityProtects your nursery against claims from third parties — including parents, children, visitors, and members of the public — for injury or property damage connected to your setting or activities. |
Employers' LiabilityA legal requirement for any employer. Covers compensation and legal costs if a member of your nursery staff makes a claim for a work-related injury or illness sustained in the course of their employment. |
Buildings CoverCovers the cost of repairing or rebuilding your nursery premises following damage caused by fire, flood, storm, or other insured perils — keeping your setting safe and operational. |
Contents & EquipmentProtects your nursery's contents including furniture, toys, learning materials, specialist equipment, and outdoor play equipment against loss, theft, or accidental damage. |
Professional IndemnityCovers claims alleging negligence, errors, or omissions in the professional childcare or educational services provided by your nursery — including claims related to safeguarding or SEND provision. |
Business InterruptionCompensates your nursery for lost income and additional operating costs if your setting is forced to close or reduce capacity following an insured event such as fire, flood, or significant property damage. |
Abuse & MistreatmentA critical cover for any childcare provider. Protects your nursery against allegations of physical, emotional, or sexual abuse — covering legal defence costs and compensation even where allegations prove unsubstantiated. |
Loss of LicenceCovers loss of income if your Ofsted registration is suspended or revoked following an insured event — providing essential financial protection while you work to reinstate your licence to operate. |
Cyber InsuranceProtects your nursery against the financial and reputational impact of a cyber attack or data breach — including the loss of sensitive parent and child data held on your systems. |
Directors' & Officers' LiabilityProtects nursery directors, trustees, and senior managers against personal liability for decisions made in their professional capacity — essential for committee-run and charitable nurseries. |
Employee DishonestyCovers financial losses your nursery suffers as a result of fraud, theft, or dishonesty committed by a member of your staff — providing an important layer of financial protection for your business. |
Commercial Legal ExpensesCovers expert legal advice and representation in employment disputes, contract issues, regulatory investigations, or other legal proceedings affecting your nursery business. |
We work with a wide panel of specialist insurers who understand the early years sector, searching the market and comparing quotations to find you the best available cover at the most competitive price.
Our advisers focus entirely on the social care and early years sectors. You'll always speak to someone who understands your regulatory environment, your Ofsted obligations, and the specific risks your nursery faces.
A number of the insurers we work with offer valuable additional benefits including access to 24-hour legal and HR helplines, staff discounts, and specialist claims support — adding real value beyond just your core policy.
We offer all our clients a genuinely high standard of service. Our team is on hand for any query you have throughout the year — not just at renewal — and will support you every step of the way through any claim.
Common questions about nursery insurance answered by our early years specialist team.
Is nursery insurance a legal requirement?
Employers' Liability insurance is a legal requirement for any nursery that employs staff. Beyond this, Ofsted requires registered nurseries and childcare providers to hold adequate insurance as a condition of their registration. Operating without appropriate cover risks both regulatory action from Ofsted and significant uninsured financial exposure in the event of an incident or claim.
What is the difference between nursery insurance and standard business insurance?
Standard business insurance is designed for general commercial risks and does not account for the specific liabilities of working with young children. Nursery insurance is a specialist package that includes covers such as abuse and mistreatment protection, loss of Ofsted licence cover, and professional indemnity tailored to childcare provision — covers that simply do not feature in off-the-shelf business policies.
Does nursery insurance cover allegations of abuse?
Yes — abuse and mistreatment cover is one of the most important elements of a specialist nursery insurance policy. It provides protection against allegations of physical, emotional, or sexual abuse made by or on behalf of children in your care. This cover applies even where allegations are unsubstantiated, covering your legal defence costs and any resulting compensation. This is a key cover that standard policies do not include.
Does the policy cover outdoor and forest school activities?
Yes. We can arrange cover that extends to outdoor learning environments, forest school sessions, and off-site activities. It is important to accurately describe all of your activities to your broker so that your policy fully reflects what your nursery does — including any outdoor, adventurous, or off-premises provision.
Can I insure multiple nursery settings under one policy?
Yes. If you operate more than one nursery setting, we can arrange a group or combined policy that covers all of your locations under a single programme. This simplifies your administration, aligns your renewal dates, and can often deliver better value than managing separate policies for each setting. Contact our team to discuss a multi-site quotation.
How much does nursery insurance cost?
The cost of nursery insurance depends on a range of factors including the size of your setting, the number of children and staff, the type of provision you offer, your claims history, and whether you own or lease your premises. As independent brokers we search the market across multiple specialist insurers to find you the most competitive premium available for your specific circumstances. Contact us for a tailored quotation.
Do you cover committee-run and charitable nurseries?
Yes. We regularly arrange insurance for committee-run, charitable, and not-for-profit nurseries, including cover for trustees and committee members under a Directors' and Officers' Liability policy. If your nursery is run by a management committee or parent group, it is particularly important to ensure your trustees have appropriate personal liability protection in place.
Here's what care and early years operators say about Aldium Insurance:
Highly recommend their services! Great support and customer service, problem solver oriented. I have only good impressions and words until now. Keep up the good work!
We have utilised the services of Aldium for around three years. The team there have provided us with excellent service, are courteous, efficient and clearly understand the care sector.
I would like to thank Aldium for all the help and attention to detail they have provided during our recent negotiations to bring my care home insurance business back to them.
