Household Insurance
Home insurance for PACEY members
Household Insurance for PACEY members
As the longest serving insurance broker in your sector, you can trust us to deliver insurance protection that is designed to really work for you.
Established in 1964, we pride ourselves on delivering high quality insurance, risk management and service solutions tailored specifically for the childcare and education sectors. We are committed in supporting our policyholders and provide key information to help you make informed decisions regarding your insurance options.
Is this the right policy for me?
Working in childcare, we understand your business will often have a variety of specialised needs. We approach a panel of household insurers who can provide the appropriate business use for your childcare business.
Want to extend your cover?
Optional sections of cover you can choose, at an additional cost, when purchasing your insurance include:
Contact Us- Accidental Damage Cover: You can extend the cover to include accidental damage cover on buildings and contents. This will cover damaged caused by the children that are childminded but excludes cover for damage caused by wear and tear or anything that happens over time and cover for contents in the open or while the home is unoccupied or unfurnished.
- Home Emergency Cover: As a homeowner, you can cover yourself for an emergency relating to plumbing and heating (domestic power supply). This excludes cover for solar heating systems and heating systems 15 years or older.
- Legal Cover: In case a claim is brought against your business by staff or customers, providing the claim has a reasonable chance of success.
Frequently Asked Questions
I’m a childminder looking after other people’s children in my own home as my job. What should I look for in a policy?
We can offer policies that include undertaking business activities at the home, unlike some other home insurers who may be unwilling to offer cover to childminders due to additional risks. E.g. more people in your home increasing the possibility of accidental damage. It is important to check how many children any insurer allows to be minded at one time.
If a childminded child accidentally causes damage to my property, for example, by damaging my TV or carpet, am I covered?
If accidental damage is included with your policy then it will be covered if accidentally damaged by a minded child. We have worked with a range of insurers to make this optional cover available for our clients, but it isn’t included as standard with all insurers so you should always check that any policy meets your specific needs before purchasing.
How should I calculate the value of my contents?
You need to consider the total cost of replacing all the contents in your home if you were to buy new. If you are unsure what to include, contents includes everything you would take with you if you moved house, e.g. curtains and freestanding appliances.
I have a childminding assistant working with me in my home. Am I covered if they accidentally damage my contents or possessions?
If you opt for extended accidental damage cover, and the specific risk is included, then this would be covered. This isn’t a standard cover offered by all insurers. The optional cover is designed for damage accidentally caused by the children, yourself or your assistant whilst minding in relation to your childminding business and equipment.
Does my home insurance cover me if a minded child is injured as a result of my negligence?
No. This would need to be covered under your business public liability policy, which is a required cover if you are a registered childminder.
Does my home insurance cover my childminding assistant’s personal possessions while they’re working with me?
No. As they are not the policyholder, their personal possessions should be covered on their own home insurance policy if required.
Please note: In relation to all questions and answers contained within this FAQ, please refer to your specific policy documents to confirm levels of cover provided.
Professional Association For Childcare And Early Years (PACEY), is authorised and regulated by the Financial Conduct Authority, Firm reference No. 310339. Registered in England and Wales under No. 02060964. Registered Office: Northside House (Third Floor), 69 Tweedy Road, Bromley, Kent, BR1 3WA.
PACEY acts as an Introducer to Morton Michel Ltd who is authorised and regulated by the Financial Conduct Authority, Firm reference No. 527300. Registered in England and Wales under No. 5120835. Registered Office: Rossington’s Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. Morton Michel Ltd is part of the PIB Group. PACEY and Morton Michel Ltd are not part of the same corporate group.