Childcare Personal Accident Policy
Public Liability Insurance will protect your Childcare business in the event that a third party suffers Personal Injury or Property Damage and the business is held legally liable. But what happens if a volunteer or child in care is injured and the childcare service is not held legally liable? Volunteers are not covered under Workers Compensation Insurance because they are not employees. There is no claim under the Public Liability Insurance, but the volunteer or the child’s parents may be out-of-pocket as a result of the injury.
With Personal Accident Insurance you can choose to cover:
- your volunteers eg committee members, work experience students and any other people who come to help out in your childcare service
- the children in care
Personal Accident Insurance is designed to cover the volunteers or children for:
Out-of-pocket expenses including but not limited to:
- Non-medicare medical expenses eg ambulance or other medical expenses not wholly or partially covered by medicare
- Loss of wages for the volunteer or parent of the child in care
- Accommodation
Capital Benefits which are lump sum payments for certain types of injuries including:
- Accidental Death
- Permanent Disablement
- Loss of limbs etc
Weekly Injury Benefits payable for:
- Temporary Total Disablement
Experience that counts
Altiora Childcare has more than 20 years experience in providing insurance support and advice to the childcare sector. For more information or to arrange a quote, please contact our childcare insurance team.
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Any recommendations we make about this insurance is general advice only and doesn’t take into account your particular needs and circumstances. A Product Disclosure statement is available and this should be considered before you make a decision to buy or hold this insurance.