Nursery Insurance Cover in detail - Pound Gates Childcare

Cover in detail

Click on the sections below for more detail on the standard and optional covers under our Pound Gates Nursery Insurance product (underwritten by Ecclesiastical), including features & benefits and significant exclusions or limitations. More information is also available from the Document Downloads section.


SUPPORTING YOUR BUSINESS AND YOUR STAFF

Legal and tax advice

  • Legal advice available 24 hours a day, 7 days a week
  • Tax advice available between 9am and 5pm on weekdays (except bank holidays)

Legal services website

  • Free access to hundreds of legal templates allowing you to create your own documents
  • Online guides to help your business with everything from employment contracts and settlement agreements to leases and health & safety statements

Legal representation

  • If you or a member of staff has been asked to attend a police interview under caution in relation to a child who has been under your care we can arrange a solicitor represent you

Redundancy approval

  • We can arrange specialist advice if you are planning redundancies (this is a paid for service)

24 hour crisis communication helpline

  • Advice from crisis communication, public relations and media experts in the event of a crisis affecting your business

24 hour counselling assistance helpline

  • Totally confidential service for you and your staff available 24 hours a day, 365 days a year
  • Counsellors are available to provide support on any matter that is causing upset or anxiety, from stress to bereavement

Risk management advice

Risk specialists are on hand between 9am and 5pm weekdays (excluding bank holidays) to advise you on a range of topics including:

  • Property protection, security, business continuity planning
  • Health and safety, food safety, environment management
  • Construction safety, fire safety, occupational health, water safety or asbestos

Emergency glass replacement

  • If you suffer glass breakage you can call upon the services of Glassolutions Installation  who will affect a rapid repair

Expert advice & guidance from us

  • We are experts in the childcare sector and will be able to provide you with advice and guidance on any issues affecting your business from an insurance or risk management perspective

PROPERTY DAMAGE – STANDARD

Protection against loss or damage to the assets of the business.

FEATURES & BENEFITS

‘All Risks’ cover for

  • Buildings including cover for subsidence
  • Contents and personal possessions including the personal possessions of nursery children
  • Contract works for repairs alternations and extensions to existing buildings
  • Fixed and unfixed equipment, including play equipment, external lighting equipment and signs covered in the open up to £20,000 in total in any one period of insurance
  • Temporary accommodation for resident staff up to £20,000 in any one period of insurance
  • Deterioration of frozen foods up to £5,000 for any one freezer unit and £20,000 in the aggregate

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

  • Conditions apply when a building becomes unoccupied, some cover may be reduced
  • Excludes bridges, dams, land, piers, jetties, culverts, excavations and marquees, unless specifically insured
  • It is a condition that you notify us for any alternations or repairs where the contract value exceeds £100,000
  • Theft of personal valuables such as jewellery, precious metals, furs and pedal cycles must involve forced entry/exit to or from a building
  • Excludes storm damage to property in the open

EQUIPMENT BREAKDOWN – STANDARD

Breakdown cover for a range of equipment including lifts, boilers and air conditioning systems

FEATURES & BENEFITS

  • Up to £5,000,000 any one period for all claims
  • Up to £500,000 any one accident for computer equipment at your premises
  • Up to£5,000 for any one accident to portable computer equipment anywhere in the world

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

  • Equipment breakdown will not include items which are covered under any maintenance agreement, warranty or guarantee

BUSINESS INTERUPTION – STANDARD

Protection against your loss of revenue, or necessary additional expenditure, following a loss under the property damage section

FEATURES & BENEFITS

‘All Risks’ cover for

  • Business interruption and reasonable additional expenditure
  • Specified disease, murder, food poisoning or defective sanitation at the premises – up to £250,000
  • Prevention of access
  • Failure of utilities and/or telecommunications
  • Reinstatement of data – up to £25,000
  • Computers – increased cost of working – up to £25,000
  • Hiring of temporary staff following abuse allegations – up to £25,000 any one period of insurance

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

  • Losses excluded under the property damage section
  • If your business is wound up or carried on by a liquidator or receiver or is permanently discontinued

LOSS OF REGISTRATION CERTIFICATE – STANDARD

Protecting you against loss of your registration certificate which occurs through no fault of your own

FEATURES & BENEFITS

  • The reduction in value of your interest in the premises or the business as a result of non-renewal or withdrawal of your registration certificate from causes beyond your control
  • Protection for your loss of revenue whilst your registration is suspended from causes beyond your control
  • Policy limit of £50,000, with higher limits available on request and subject to an additional charge.

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

Incidents arising out of

  • any town or county planning, improvement or redevelopment
  • compulsory purchase or surrender
  • reduction or redistribution of registration certificates
  • a change in the law


MONEY WITH ASSAULT EXTENSION – STANDARD

Protection against loss of money belonging to your business.

FEATURES & BENEFITS

  • £5,000 in transit, bank night safe, on the premises during business hours or in a locked safe outside of business hours
  • £500 for all other money
  • Includes Assault cover for injuries arising from robbery or hold-up whilst working for the business – £10,000 for injuries such as death or loss of limbs or eyes
  • Includes fraud and identity theft

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

  • Escort requirements are in place for transporting cash in excess of £3,000
  • Excludes fraudulent use of credit or debit cards by you and your representatives
  • Identity theft costs must be agreed by insurers in advance

PERSONAL ACCIDENT FOR STAFF – STANDARD

Cover for accidental bodily injury to you, your permanent employees, governors and volunteers.

FEATURES & BENEFITS

  • Cover applies for injury caused or suffered during the course of employment
  • Up to £50,000 for death and capital benefits
  • Up to £500 per week for temporary total disablement
  • Up to £250 per week for temporary partial disablement

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

  • No cover for travel to a destination which the Foreign and Commonwealth Office (FCO) has advised against before the journey commences.
  • Any pre-existing health conditions
  • Sickness, disease or any gradually operating cause
  • Suicide, attempted suicide or deliberate exposure to danger
  • Pregnancy or childbirth
  • Flying, except as a fare-paying passenger


LIABILITIES – STANDARD

Public Liability and Employers’ Liability cover with a choice of indemnity limits (with a minimum for Employers’ Liability of £10,000,000) and a range of extensions as standard.

FEATURES & BENEFITS

  • Cover for the administration of drugs, medicines (prescribed and non-prescribed) and first-aid
  • Overseas personal liability extension covering governors and employees
  • Corporate manslaughter defence costs up to £1,000,000 any one period of insurance
  • Libel and slander extension up to £100,000 any one event, for unintentional infringements
  • Additional clean-up costs extension up to £1,000,000 any one period, for remediation of accidental pollution and contamination which you are ordered to make by a regulatory authority

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

  • No public liability cover for any claim connected with asbestos or asbestos materials

PROFESSIONAL INDEMNITY – STANDARD

Protection against your civil liability arising from a negligent act or omission committed by you.

FEATURES & BENEFITS

  • Cover for civil liability arising from a negligent act or omission, committed by you
  • Policy limit of £100,000 in the aggregate (higher limits are available for an additional charge)
  • Cover for loss of documents, including up to £100,000 for reasonable and necessary costs incurred in the repair, replacement or reconstitution of documents
  • Data protection defence costs up to £50,000

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

  • No cover for any claims or circumstances which are known to you at the start of the insurance

DIRECTORS’ AND OFFICERS’ LIABILITY – STANDARD

Protection for a claim against a Director, officer, employee arising from a wrongful act where the claim is first made against you during the period of insurance.

FEATURES & BENEFITS

  • Cover for civil liability arising from a negligent act or omission, committed by a Director, officer or employee of the company
  • Policy limit of £25,000 in the aggregate (higher limits are available for an additional charge)
  • Cover includes defence costs and expenses and investigation costs and expenses, subject to the policy limit which will be the maximum paid in total during any one period of insurance

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

  • No cover for any claims or circumstances which are known to you at the start of the insurance
  • Excludes dishonesty of an employee where previously there has been reasonable cause for suspicion of dishonesty by the employee in question

COMMERCIAL LEGAL PROTECTION AND CRISIS COMMUNICATION – STANDARD

(This section of cover is provided by ARAG UK plc and is underwritten by Brit syndicate 2987 at Lloyd’s). Protection for legal costs and expenses arising from specified civil and criminal incidents in connection with your business. Standard limit £250,000.
Access to specialist crisis communication and public relations experts in the event of a crisis affecting your business. Standard limit £25,000.
Cover if you or a member of your staff are required to attend an interview under caution by the police, health & safety authority or other body with the power to prosecute. Standard limit £2,500.

FEATURES & BENEFITS

  • Employment Disputes and Compensation Awards – defending you in an employment dispute with an employee, ex-employee, prospective employee or trade union acting on their behalf arising from a breach or alleged breach of their contract of service with you and/or statutory rights under employment legislation
  • Tax Protection – representation in appeal proceedings with the Inland Revenue in a full or aspect enquiry following your corporation tax self-assessment return and appeal proceedings with HM Customs and Excise in respect of Value Added Tax due
  • Property Protection – cover for disputes relating to material property which you own is your responsibility
  • Compliance & Regulation – defending you when dealing with the police or Health & Safety Executive or representing you following notice by your registration body to alter, suspend, revoke or refuse to renew your registration. Cover also includes legal advice and/ or mediation to resolve issues arising from your opposition to the terms of an improvement action notice or welfare requirements notice.
  • Employees’ Extra Protection – At your request, defending an employee in civil proceedings under legislation for unlawful discrimination. Defending an employee as a trustee of a pension fund. Pursuing a claim following an event causing an employee bodily injury
  • Contract & Debt Recovery – cover to negotiate disputes relating to a contract you have entered into with a customer or supplier for the purchase or sale of goods or service where the amount in dispute exceeds £200
  • Crisis Communication – access to crisis communication and public relations experts 24 hours a day, 7 days a week following a ‘critical event’ affecting your business. This section will pay up to £25,000 towards the costs of the appointed advisors in helping you to manage the crisis and protect the reputation of your business.
  • Legal Defence – cover is provided for criminal investigations and/ or enquiries or interviews under caution by the police, a healthy & safety authority or other body with the power to prosecute, where it is suspected that an offence may have been committed.

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

  • In respect of civil proceedings and criminal prosecution claims the cover is subject to the case having reasonable prospects of winning or making a successful defence
  • Any costs and expenses incurred before the written acceptance by us or the claims administrator of a claim
  • In respect of compensation awards you must follow the advice of the legal helpline or the Advisory, Conciliation and Arbitration Scheme (ACAS) code of Disciplinary Practice and Procedures in Employment for cover to be effective
  • Redundancy or alleged redundancy or unfair selection for redundancy occurring during the first 180 days of this policy except where equivalent cover was in force up until the start of this policy
  • Claims caused by your failure to register for Value Added Tax and any investigations by the Special Civil Investigations Office or Special Compliance Office of HM Revenue and Customs
  • Investigations by HM Customs into alleged dishonesty or criminal offences
  • Any claim relating to the settlement under an insurance policy
  • For contract disputes and debt recovery, a claim must be made within 90 days of the money becoming due
  • Under the Crisis Communication section insurers will only pay costs associated with a ‘critical event’ as defined by the policy.
  • Under the Legal Defence section the insurers will not pay legal costs and expenses in excess of £2,500 for representation at an interview under caution.

FIDELITY – OPTIONAL

Protection against losses caused directly by theft, fraud or dishonesty of your employees.

FEATURES & BENEFITS

  • Policy limit of £25,000
  • Includes cover for pension fund trustees

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

  • Cover is subject to you complying with minimum standards of control in respect of supervision, accounting procedures and checking the security of money or goods


TERRORISM – OPTIONAL

Cover for property damage or business interruption following an act of terrorism in Great Britain.

FEATURES & BENEFITS

  • Cover for damage to property and business interruption as insured by the property damage and business interruption sections of the policy

SIGNIFICANT EXCLUSIONS OR LIMITATIONS

  • No cover for losses occasioned by riot, civil commotion, war, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power

We are extremely satisfied with our insurance through Pound Gates, the staff are most helpful and very knowledgeable. When we were unfortunate enough to have to make a claim it was dealt quickly and efficiently and with minimum disruption to the business – Hopscotch Nursery

Hopscotch Nursery Nursery Insurance July 21, 2016

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