Albany Childcare Insurance

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2 Albany Childcare Insurance Albany Childcare is a leading provider of Childcare Insurance throughout the UK. We specialise in arranging cover for All Day Nurseries, Out of School Groups, Playgroups and Parent and Toddler Groups. We currently insure groups ranging from the South coast of England through to Inverness in Northern Scotland.

3 Minibus Summary of cover A minibus driver is responsible for their passengers, and in turn they want to know someone is taking responsibility for them. We ve got a huge range of experience covering minibuses, specialising in educational establishments, charities, associations and religious groups. The policy will cover Vehicles from 5 to 16 seats Private hire Social Domestic and Pleasure Minibus assist: care homes, charities, education and childcare Comprehensive, third party fire and theft, third party only 5,000,000 TPPD Cover for loss of keys Breakdown cover included free of charge for all comprehensive Minibus policies Windscreen cover included Immediate and 24 hour claims service facilitated through Your Accident and Third Party cards Optional 1,000,000-5,000,000 public liability cover, which can be extended to 10,000,000 Immediate cover available

4 All Day Care Nursery Insurance from AIG This All Day Care Nursery Insurance package is provided by AIG Europe Limited who are part of AIG Property Casualty Inc. servicing more than 40 million clients in over 160 countries. AIG Europe Limited produce services to more than half of the country s top 1000 companies. The policy is designed to meet the needs of individual nurseries and groups and includes exclusive innovative cover with higher than average s. Listed below are the policy features of the cover we offer under our package. Please also read our Albany features attachment. The policy will cover Higher of 10,000,000 available on public liability Professional indemnity cover up to 2,000,000 Cover for outdoor equipment up to 25,000 Equipment breakdown cover Employee theft cover Personal accident cover included for children and staff Crisis containment Loss/suspension of registration covering loss of income Artificial outside play surfaces included under the buildings section Full malpractice insurance Directors and officers insurance up to 1,000,000 Commercial legal expenses at 250,000 All risks cover away from the nursery Liability cover extends to include all supervised outings and trips Administration of medicine by all staff Online health and safety compliance self management systems ROSPA accredited

5 Our All Day Care Nursery Insurance from Ansvar Ansvar Insurance are a specialist insurer of Charities, not for profit organisations, community groups and other connected childcare organisations. They do not work with companies who s business revolves around alcohol tobacco gaming or armaments and donate a share of profits to good causes. They have operated in the UK since 1959 and are a business division of the Ecclesiastical Insurance office Plc. They won the best insurance company of the year 2015 at the better society Awards an annual event that honours companies that give something back to society. The policy will cover Public Liability cover of 5,000,000* Loss of turnover protection from 50,000* Employers Liability cover of 10,000,000 Personal accident cover for Staff and Children Contents covered for 5,000* Money with assault Personal Effects of Staff and Children Administration of medicines Glass cover for which the group is responsible Legal Expenses cover for Professional Indemnity for * Additional options available Buildings cover if you are responsible for insuring buildings All risks insurance for items away from the premises (e.g. laptop computers) Increased sums insured for contents and loss of income /additional expenses Trustee Indemnity cover Extra expenses This policy is underwritten by our specialist insurer, Ansvar Insurance a business division of Ecclesiastical Insurance Office plc. * denotes additional cover available subject to an additional premium

6 Albany Childcare Insurance for Playgroups This package of insurance is designed for pre-school sessional childcare groups where the parent or guardian may or may not be in attendance. The policy provides a comprehensive range of insurance protection at an affordable cost. The policy will cover Contents/equipment insurance with a sum insured of 5000* Personal effects of staff and children Money with assault Personal accident to nursery children Administration of medicines Employers liability insurance with a of 10,000,000 Public liability with a of 5,000,000 which extends to include outings and trips* Glass cover for which the group is responsible of Legal expenses insurance plus a helpline Professional indemnity cover for Loss of turnover protection from 50,000* Additional options available Buildings cover if you are responsible for insuring buildings All risks insurance for items away from the premises (e.g. laptop computers) Increased sums insured for contents and loss of income /additional expenses Trustee indemnity insurance This policy is underwritten by our specialist insurer, Ansvar Insurance a business division of Ecclesiastical Insurance Office plc. * denotes additional cover available subject to an additional premium

7 Albany Childcare Insurance for Parent and Toddler Groups This insurance package is designed for pre-school sessional childcare groups where the parent or guardian is in attendance. The policy provides a comprehensive range of insurance protection at an affordable cost. The policy will cover Contents/equipment insurance with a sum insured of 5000* Personal effects of staff and children Money with assault Personal accident to nursery children Administration of medicines Employers liability insurance with a of 10,000,000 Public liability with a of 5,000,000 which extends to cover outings and trips* Glass cover for which the group is responsible Loss of turnover protection from 50,000* Additional options available Buildings cover if you are responsible for insuring buildings All risks insurance for items away from the premises (e.g. laptop computers) Increased sums insured for contents and loss of income/additional expenses Trustee indemnity insurance This policy is underwritten by our specialist insurer, Ansvar Insurance a business division of Ecclesiastical Insurance Office plc. * denotes additional cover available subject to an additional premium

8 Out of School Summary of cover Below you will find details of our out of school package provided by Ansvar Insurance a business division of Ecclesiastical Insurance office plc. For more details of the cover provided, or for clarification of cover, please contact us on or download our brochure. The policy will cover Public Liability cover of 5,000,000* Loss of turnover protection from 50,000* Employers Liability cover of 10,000,000 Personal accident cover for Staff and Children Contents covered for 5,000* Money with assault Personal Effects of Staff and Children Administration of medicines Glass cover for which the group is responsible Legal Expenses cover for Professional Indemnity for * Additional options available Buildings cover if you are responsible for insuring buildings All risks insurance for items away from the premises (e.g. lap top computers) Increased sums insured for contents and loss of income /additional expenses Trustee Indemnity cover Extra expenses This policy is underwritten by our specialist insurer, Ansvar Insurance a business division of Ecclesiastical Insurance Office plc. * denotes additional cover available subject to an additional premium

9 Compare the Cover Insurers Albany Childcare AIG Insurance Towergate Poundgate Dot to Dot Ecclesiastical Morton Michel Ace Insurance & Gable Royal Sun Alliance Zurich Insurance Ecclesiastical Sterling Insurance Accidental Damage Employers Liability of 10m Public Liability of 5m Administration of Nurse Medicine (All Staff) x only Crisis Containment x x x x Malpractice Liability x x x x x Professional Indemnity up to 2,000,000 Loss of Income following loss of Registration Loss of Registration Full cover for outside play equipment 25,000 as standard Full cover for shed contents 5000 as standard Theft by employee up to 1,000, ,000 x x x x x x 250,000 x 2, x x x x 25,000 x x 5,000 2,500 25,000 Cover for items away from premises x x Directors & Officers up to 1,000,000 x x x Legal expenses 250,000 as standard x Equipment breakdown x x x x x Personal Accident - Staff and children Ansvar Ansvar Staff only cover Inflation Protection x Frozen Foods Cover Money (Cash) Financial Strength Rating of Insurer AIG Insurance - AA+ Ace - AA- & Gable - Not rated/ Non UK RSA - AA- & AIG AA+ Zurich - AA- 500,000 0 A- A+ A- x

10 Albany v Towergate Albany Childcare Towergate Insurers AIG Insurance Ace Insurance & Gable Accidental Damage Employers Liability of 10m Public Liability of 5m Administration of Medicine (All Staff) Crisis Containment x Malpractice Liability x Professional Indemnity up to 2,000, ,000 Loss of Income following loss of Registration x Loss of Registration cover 250,000 Full cover for outside play equipment 25,000 as standard x Full cover for shed contents 5000 as standard x Theft by employee up to 1,000,000 25,000 Cover for items away from premises x Directors & Officers up to 1,000,000 Legal expenses 250,000 as standard Equipment breakdown x Personal Accident - Staff and children Inflation Protection Frozen Foods Cover Money (Cash) Financial Strength Rating of Insurer AIG Insurance - AA+ Ace - AA- & Gable - Not rated in UK as offshore company

11 Albany v Poundgate Albany Childcare Poundgate Insurers AIG Insurance Royal Sun Alliance Accidental Damage Employers Liability of 10m Public Liability of 5m Administration of Medicine (All Staff) x Crisis Containment Malpractice Liability x Professional Indemnity up to 2,000,000 Loss of Income following loss of Registration Loss of Registration cover 250,000 Full cover for outside play equipment 25,000 as standard 2,000 Full cover for shed contents 5000 as standard x Theft by employee up to 1,000,000 x Cover for items away from premises Directors & Officers up to 1,000,000 x Legal expenses 250,000 as standard x Equipment breakdown x Personal Accident - Staff and children Staff only cover Inflation Protection Frozen Foods Cover Money (Cash) Financial Strength Rating of Insurer AIG Insurance - AA+ RSA - AA-

12 Albany v Dot to Dot Albany Childcare Dot to Dot Insurers AIG Insurance Zurich Insurance Accidental Damage Employers Liability of 10m Public Liability of 5m Administration of Medicine (All Staff) Nursery nurses only Crisis Containment x Malpractice Liability Professional Indemnity up to 2,000,000 x Loss of Income following loss of Registration x Loss of Registration cover 250,000 Full cover for outside play equipment 25,000 as standard 5000 Full cover for shed contents 5000 as standard x Theft by employee up to 1,000, Cover for items away from premises Directors & Officers up to 1,000,000 Legal expenses 250,000 as standard Equipment breakdown x Personal Accident - Staff and children Inflation Protection Frozen Foods Cover Money (Cash) Financial Strength Rating of Insurer AIG Insurance - AA+ Zurich - AA-

13 Albany v Ecclesiastical Albany Childcare Ecclesiastical Insurers AIG Insurance Ecclesiastical Accidental Damage Employers Liability of 10m Public Liability of 5m Administration of Medicine (All Staff) Crisis Containment Malpractice Liability x Professional Indemnity up to 2,000,000 x Loss of Income following loss of Registration x Loss of Registration cover 250,000 Full cover for outside play equipment 25,000 as standard 5000 Full cover for shed contents 5000 as standard x Theft by employee up to 1,000,000 x Cover for items away from premises Directors & Officers up to 1,000,000 x Legal expenses 250,000 as standard Equipment breakdown x Personal Accident - Staff and children Inflation Protection Frozen Foods Cover Money (Cash) Financial Strength Rating of Insurer AIG Insurance - AA+ A-

14 Albany v Morton Michel Insurers Albany Childcare AIG Insurance Accidental Damage Employers Liability of 10m Public Liability of 5m Administration of Medicine (All Staff) Crisis Containment Malpractice Liability x Professional Indemnity up to 2,000,000 Loss of Income following loss of Registration Morton Michel Sterling Insurance Loss of Registration cover 250,000 Full cover for outside play equipment 25,000 as standard 5,000 Full cover for shed contents 5000 as standard 2,500 Theft by employee up to 1,000,000 25,000 Cover for items away from premises Directors & Officers up to 1,000,000 Legal expenses 250,000 as standard Equipment breakdown Personal Accident - Staff and children Inflation Protection Frozen Foods Cover Money (Cash) Financial Strength Rating of Insurer AIG Insurance - AA+ A+

15 Albany features Cover Administration of Medicine (All Staff) Crisis Containment Malpractice Liability Professional Indemnity up to 2,000,000 Loss of Income following loss of Registration Full cover for outside play equipment 25,000 as standard Theft by employee up to 1,000,000 Cover for items away from premises Directors & Officers up to 1,000,000 Legal expenses 250,000 as standard Equipment breakdown Personal Accident - Staff and children Exclusive Features of Albany Policy This exclusive cover extends to cover all nursery staff and is not restricted to Nursery Nurses only as in most other policies. Claims example, incorrect dosage of painkiller given to child. Crisis Containment covers reimbursement of fees and costs for expert public relations consultants responding to crises within the business. Claims example, damaging publicity following an incident in the nursery. Malpractice insurance extends the liability cover beyond administration of medicine. As other medical errors could occur especially in children. Claims example, Carrying out incorrect medical procedure in the event of accident. Professional indemnity insurance, is liability cover designed to protect an individual or business against claims made by clients and or your regulated bodies for loss or damage due to negligent advice or services. Claims example, as proven in the media children being left behind on nursery outings or children s disorder not recognised e.g., Dyslexia. Loss of registration for any nursery will usually mean the end of the business as a going concern. Cover is provided against financial loss following the withdrawal of the certificate through no fault of your own. Claims example, Local Council closed down nursery for investigation due to a health scare. The Local Council temporary removed nursery registration pending investigation which resulted in a financial loss. Nursery was not at fault and the insurers reimbursed all lost fees. Full cover for the key parts of everyday nursery life, such as your outdoor play equipment. Claims example, new climbing equipment stolen for scrap value. Crime committed by employees costs UK businesses hundreds of millions of pounds per year. It is a business risk which can never be eliminated but can be managed by our fidelity cover. Claims example, cash payment for adhoc sessions not being declared by employee and/or theft of cash fees by staff member. Covers nursery equipment while away from the premises. Claims example, ipad lost on day out to the park. Directors and officers (D&0) liability insurance is cover intended to protect the owners personal assets if sued personally. Claims example Child escapes under the nursery perimeter fence. Depute is under pressure and forgets about danger and same situation happens again. Parent sued depute and owner personally for negligence. Albany s exclusive legal cover provides a higher than most providers for this section due to rising court costs. All Nurseries rely on the smooth running of business equipment and this section of the policy is included to provide you against break down of equipment (wear and tear is excluded) of lifts, central heating and air conditioning systems and boilers etc. This exclusive cover extends to cover all nursery children and is not restricted to staff only as in most other policies.

16 Albany Childcare Insurance 162 Buchanan Street Glasgow G1 2LL