Q: Who is your Sessional Care insurance designed for?
A: Our Sessional Care insurance product is designed for the following childcare businesses:

• Out of School Clubs: Private, voluntary or independent providers operating an out of school club and/or holiday club either on school grounds or on your premises.
• Please note that if you are a nursery or kindergarten operating an out of school club and/or holiday club this can normally be accommodated within your existing nursery policy. A separate Out of School Club insurance is not normally required. Please call us to discuss your requirements in detail.
• Pre-schools: Private, voluntary or independent providers operating anything from 1 session per week to full-time.
• Please note that if you own the buildings you operate from (or have been asked to insure the buildings by your landlord) and would like to include these under your policy we will provide you with a quotation under our Nursery insurance cover (our Pre-school insurance product does not provide cover for Buildings).
• Crèche: Designed for operators of permanent crèche facilities only. We cannot provide any cover for mobile crèche operators (i.e. crèches operating at temporary exhibitions, weddings, events and the like).
• Parent & Toddler groups: Suitable for anybody organising and operating a parent & toddler or parent & baby group.

Q: Who underwrites the policy?
A: All of our policies for the childcare sector are underwritten by Norwich Union, the UK’s largest general insurer. The legal expenses cover provided under all of our childcare policies is provided by ARAG plc and underwritten by Brit Insurance Ltd

Q: What makes your Insurance cover different from others available?
A: We’ve used our extensive knowledge and experience of the childcare sector to continually refine our policy coverage, ensuring that it meets the needs of the childcare businesses outlined above. Our market leading legal expenses cover will provide you with wide coverage and policy limits plus, unlike many other policies, all legal claims under our policy will be handled by one firm of solicitors who work extensively in the care sector. This means that you will receive legal representation from people that understand the environment you work in every day.

In addition to all of the above, as a policyholder of PoundGates you can also access our online health & safety, employment law resource and access some fantastic exclusive deals with suppliers to the childcare sector.

Q: How should I decide on the appropriate sum insured for my group contents?
A: In order for your policy to operate effectively it is essential that you set your cover at the right level. You must establish exactly how much it would cost you to replace your entire contents (as new) and select the next greatest level of cover. So, for example, if you had assessed your total sum insured as £7,500 you should insure for the next highest level of £10,000. Remember to tell us if you are storing equipment in a non-standard construction outbuilding (i.e. a wooden shed) as this will not be covered automatically by your policy.

Q: Does my business have to be registered with the appropriate care standards authority (i.e. Ofsted, Care Commission etc.) before I can obtain a quotation?
A: We will provide you with a quotation without the business having been registered with the appropriate care standard authority but you will not be able to take out cover until your registration has been confirmed (except for Parent & Toddler groups where there is no requirement to be registered)