Tim LardenManaging Director
The ever-growing pressures society, and in particular parents, put on professional child carers these days means it is vital that out of school clubs ensure their insurance is comprehensive and appropriate. At Ladbrook, we aim to make this process as pain-free as possible.
Insurance for out of school clubs
The risks associated within the field of professional childcare, whether you are an individual or business, are well documented. The general rule in this area is ‘expect the unexpected’. Just because you have not been subject to a claim against your organisation, it does not mean one is not on the horizon. We can help you organise after school club insurance for your group, we are independent and offer advice on the appropriate covers that you might need.
There should be equal onus on the club to ensure the public at large is provided a similar environment of care and respect. All bodies that deal with the public, not just those who deal with children, need appropriate Public Liability Insurance.
Irrespective of the level of professional service provided by the overwhelming majority of clubs in this sector, no level of risk analysis will prevent a mishap occurring, big or small. Having a good after school club insurance policy is essential to protect children, volunteers and even trustees.
That said, assessing the risks associated with professional childcare, with the help of our expert team, will help you identify the extent and level of Public Liability Cover required. Furthermore, should you employ staff and/or volunteers you are legally obliged to take out Employers’ Liability Cover. Our team will ensure the appropriate level of cover is in place based on your circumstances.
In addition to the required elements of cover your organisation needs from a legal perspective, Ladbrook will assist you in establishing any hidden risks and therefore any other insurances that may need consideration. This can take many forms, such as:
- Vehicle Insurance: if your group use a minibus you own to transport some or all of the children in your care to and/or from the venue.
- Damage or loss to club equipment: if your club has a significant itinerary of items used as part of the activities that children under your supervision engage with it may be worth consider a insuring against damage or loss of this equipment due to theft, water damage, natural events and even accidental damage;
- Personal clothing of children or staff/volunteers: accidents do happen and such policy extensions, depending on the club’s activities a sensible consideration.
Whether you are a small new group looking for After School Club Insurance or a larger group with a policy due for renewal, contact Ladbrook and put our experienced team to the test.