Professional indemnity and liability insurance for childcare providers
Childcare providers operate in high-risk, high-responsibility environments involving young children, families and strict regulatory oversight.
Key risks
Childcare providers face significant duty-of-care risks
Child injury and supervision incidents
Claims commonly arise from playground accidents, falls, manual handling injuries, excursions or allegations of inadequate supervision.
Staffing, screening and training failures
Inadequate background checks, qualifications or supervision of educators can create significant vicarious liability exposure.
Regulatory non-compliance
Failure to comply with National Quality Framework (NQF) requirements, staffing ratios, documentation or reporting obligations may result in penalties and civil claims.
Negligence and duty-of-care claims
Claims may allege failure to provide appropriate care, inadequate policies, unsafe environments or insufficient staff training.
What’s Included in The Cover
Childcare providers operate in complex environments involving students, staff, parents and regulators.
Professional Indemnity
Covers claims arising from alleged negligence, errors or omissions in the performance of pastoral, counselling, welfare or administrative services, including defence and investigation costs.
Errors & Omissions
Covers financial loss claims arising from administrative error, misstatement, breach of duty, defamation or privacy breaches in connection with the organisation’s operations.
Public Liability
Covers bodily injury and property damage claims arising from premises, services, events, volunteer activities and community programs conducted by the insured.
Products Liability
Covers injury or property damage arising from products supplied or distributed in the course of the insured’s activities.
Pricing
How insurance pricing works for childcare providers
Childcare insurance pricing is assessed individually, based on your service structure, risk profile and operational complexity.
Type & size of institution
Pricing reflects whether you operate a long day care centre, preschool, OSHC or family day care, including enrolment numbers, premises, staff and hours of operation.
Level of cover
Premiums vary based on indemnity limits and selected extensions such as abuse liability, excursions, allergy exposure or regulatory protection.
Risk profile & history
Claims history, incident trends, compliance records, staff screening processes and safeguarding frameworks all influence pricing.
Excess / deductible
Selecting a higher excess can help reduce premium costs while maintaining appropriate protection.
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Why Tego
Your practice, understood. Your risks, covered. Your team, on call 24/7
Personalised medical indemnity and malpractice insurance for specialists and healthcare organisations, with 24/7 medico-legal support. Award-winning protection so you can keep practising with confidence.
Fast 24/7 Medico-Legal support
When something goes wrong or feels uncertain, speak with our experienced medico-legal advisers. Practical and empathetic support through complaints, AHPRA matters, investigations and civil claims - day or night.
Competitive & Personalised Pricing
Premiums that reflect your specialty, procedures, billings and practice setting, so you pay only for the risks you carry. Competitive rates with fast, straightforward quotes and renewals.
Comprehensive Cover, Designed by Industry Experts
Broad protection shaped by experienced insurance and medico-legal teams. Informed by real claims insight, it keeps pace with modern practice and your evolving risks—so it fits the way you practise.
Trusted by Thousands customers
Chosen by more than 30,000 healthcare professionals nationwide, with award-winning product, claims and client service, and over a decade of consistent support. A partner that understands healthcare and stands beside you when it matters.
Medical Indemnity Support & Claims
Immediate support for claims, complaints and medico-legal matters
Claims & Notifications
Unsure whether an incident needs to be notified? Contact us early. Our experienced claims team will assess the matter, guide you on next steps, and manage the process from first notification through to resolution.
24/7 Medico-Legal Advisory
Access 24/7 medico-legal advice from experienced advisers. Get practical guidance on AHPRA notifications, patient complaints, adverse events, documentation issues and complex clinical situations — day or night.
Contact Us
Contact our team online or by phone for assistance with your policy, claims, cover or general enquiries. We’ll respond promptly.