The most competitive fastest growing Childcare Insurance Schemes in Ireland for all providers in all groups and associations
Padraic Smith Insurance Brokers is a leading specialist in the Irish market for childcare insurance. We are a family company with 25 years of childcare insurance experience. Over this time we have researched every aspect of insuring creches and schools, so we have done the hard work for you in staying abreast of the risks faced by the education sector.
We have therefore designed insurance solutions to address the specific needs and risks associated with Montessori, creche and school insurance.
For instance, we offer the highest current level of Public Liability Limit of Indemnity at €13,000,000 as standard and include all approved School Outings automatically with every policy.
At Padraic Smith we attribute much of our success to our ability to be sensitive and responsive to the very special needs of Childcare Providers. We also have an in-depth understanding of the insurance needs covering all forms of childcare and we offer insurance cover for the following services:
- Montessori Schools
- Creche / Child and Infant Child Care Centres
- Before And After-School Day Care
- Nursery Schools
- Primary & Secondary Schools
- Head Start Programs
When researching for Childcare Insurance, think about:
So contact Padraic Smith Insurance Brokers for all your insurance needs.
- Level of Cover
Make sure you get the highest level of cover possible.
How many adults are required per number of children in your facility? Look for a high ratio for flexibility in your business.
- Property Damage
Does a policy cover damage to your property? Does it also cover equipment? Does it also cover outside equipment?
- Loss Of Earnings
If your property is damaged and you cannot trade, does your policy cover loss of earnings/client refunds while repairs are carried out?
If you want to take children in your care on outings, are you covered automatically? If not can you get cover as required?
- Legal Expenses
Will the policy cover you against unfounded legal disputes (outside of typical public liability cases), i.e. defamation and libel?
- Employer's Liability
Does the policy provide this and at what level of cover? Look for the highest possible (currently at €13M)
- Personal Accident
Does the policy cover you against bodily injury to any employee or helper, in that it will pay-out without the need for the employee to take legal action against your business? Does it further cover against 'no-fault' injury to a child in your care, again avoiding the need for a parent having to sue you?
Will the insurance broker be there to help you through every aspect of a claim. Allowing you to focus on your business and reduce the stress associated with claims?