Childcare Insurance

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Key Benefits

Confidence and peace of mind

Comprehensive market-leading insurance covering you, your employees, the children in your care, your premises and equipment, and your livelihood.

Keeping the sector covered

Our Childcare Insurance is there for Childcare professionals running créches, playschools, nurseries, pre-schools and after-schools, and parent and toddler groups. Cover is available for the full range of childcare services, including seasonal services, part-time day care, afterschool care, and full day care.

We also provide cover for Childminders providing childcare in their own home.

Quick and easy quotes

We’ll give you clear and concise advice to help you choose your cover, and update you on your quote within 24 hours.

Tailored insurance for Childcare

We have designed a comprehensive insurance package for Childcare providers based on our extensive experience in the sector.

There when you need us

If you do need to claim, we will work with you and your insurer to ensure that your claim is settled as smoothly and quickly as possible to minimise stress and uncertainty.

The right cover at the right price

We work hard to make sure that you have the reassurance of great-quality, great-value cover from financially secure insurers.

Flexible payment

Option to pay premium by installments.

Policy Details

For Childcare:

Public Liability (€13,000,000​)

Employers Liability (€13,000,000​)

Personal Accident cover for children and employees

Professional Liability (€6,500,000)​

Directors and Officers Liability (€2,500,000)

Business Interruption (standard package includes cover of €150,000, increased to €200,000 for ECI members. This cover can be increased further upon request)​

Contents cover (standard package includes cover of €20,000, increased to €25,000 for ECI and Direct Créche scheme. This cover can be increased further upon request)​

Option to include buildings cover​​

Fidelity Guarantee – this covers loss of money or property belonging to your business as a result of fraud, theft or dishonesty committed by employees (€100,000​)

Money cover – this covers loss of money from business premises (€15,000​)

Legal Expenses cover – provides access to legal advice and support including a helpline, and legal costs, in the event of a dispute

Further Information

When you are looking after children, it’s vital to know that you have the right insurance protection in place in case anything unexpected happens so that the children in your care are covered. You also need to know that you have cover in place for you, your employees and your business.

That’s what we’re there for. We provide market-leading insurance packages for all your risks, backed by support from expert teams who understand your sector.

We also work closely with Early Childhood Ireland (ECI) and Childminding Ireland (CMI) to create tailored insurance solutions for their members.

Trust us to look after your insurance, so you can concentrate on providing great childcare.

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to receive a quote for your Childcare Insurance.

Frequently asked Questions

Do I need separate cover for playground surface / equipment?

No. This would automatically be covered under your Contents / Equipment section provided the sum insured under this section is adequate to cover same. However, an excess of €250 will apply to each and every claim in respect of the playground. 


Am I covered for outings and do I need to let Arachas know when I am going on one?

Outings are covered automatically under the Public Liability section of the policy and there is no need to let us know. However if you are unsure about a particular activity do give us a call as there are some activities that may be excluded. There is no specific ratio requirement under the policy but you must be complying with childcare regulation and you must ensure that you have adequate supervision in place.


Are the children covered whilst on bouncing castles or trampolines?

Yes, provided the relevant guidelines are adhered to at all times. Please contact Arachas for a copy of these.


Am I covered for fund raising events?

Normally, events to raise funds for your own service are automatically covered under the policy at no additional charge. However, if you intend to hold a disco, evening event or family day, these will have to be referred to Arachas and a charge may apply. If you wish to run an event to raise funds for a charity, please contact Arachas.


Is there an age restriction on my policy?

This depends on the type of service you provide. You must comply with the current childcare legislation.


How many children should I insure for?

You need to cover the maximum number of children who will be on your premises at any one given time.


Am I covered to accept children on a “Drop-in” basis?

All children in your care must be pre-booked, pre-registered and attend your service on a regular basis. We cannot offer cover for any type of ‘ Drop In’ service.


Am I covered to run a Summer Camp?

Your policy can be extended to run Out-of-School camps (e.g. Easter, Summer & Halloween) at an additional charge. We can also provide cover for summer schools not in the scheme. Please contact us for a quote or get a quote online

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