Towergate is now Everywhen
While our name has changed, the people, expertise and commitment to bringing specialist insurance that fits around your everyday is the same.

Nursery insurance

As a trusted broker, we give nurseries confidence that we’ll be there when they need us most. Get protection you can rely on, arranged by people who genuinely care.

Over 40 years of providing flexible cover that grows with your nursery
Access to a legal and HR platform and a 24-hour legal helpline
24-month business interruption cover as standard

Get a quote

Call 0330 123 5357

Toddlers sitting on a nursery floor with toys and an adult

Why choose nursery insurance with Everywhen?

Get a quote

A response in minutes, not days

We understand that you’re busy, so we make sure that we get in touch with you about a quote as soon as we can and book a time to discuss your needs further when it suits you.

Dedicated nursery team

Our team work exclusively with early year settings, providing support that feels personal, not transactional.

We take the time to understand your setting

We work on an advised basis, which means we speak with you to understand how an insurance policy needs to work for you, ensuring we help you get the right limits and cover to suit your needs.

Out of term activities covered

If required, out of term activities, school clubs and holiday schemes carried out at the insured location, can be included as standard on our policy.

What does nursery insurance cover?

Full details of the cover provided can be found in the policy documents issued, including any exclusions, conditions or excesses that apply.

Buildings and contents cover for your nursery

Including costs for reproducing documents and computer system records, staff and children’s personal belongings, flood and escape of water, theft and attempted theft as well as emergency service damage claims.

Complimentary legal and health & wellbeing advice

Our nursery policy includes complimentary access to Markel Business Hub; your very own legal information portal which delivers up-to-date legal information and a wide range of legal guides you can fully tailor to suit your nursery’s needs. As well as Markel Business Hub, you also receive access to a 24-hour Health and Wellbeing support line that you and your employees can call whenever you need support.

Business interruption cover

Cover for insured events that may cause your nursery interruption, including loss of revenue and/or increase in cost of working which follow a property damage claim under the contents and/or buildings sections.

Personal accident

Cover for any employed member of the teaching and support staff against accidental injuries, 24 hours a day, anywhere in the world, as well cover for any child attending the nursery against accidental injury whilst on the premises or whilst participating in activities organised and supervised by the policyholder.

Get a quote from Everywhen today

Searching for nursery insurance quotes? Let us help you find the right policy.

Get a quote

Call 0330 123 5357

How do nursery insurance claims work?

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

Find your insurance documents and make sure you have all your information at hand, including your policy number.
Call the claims team on 0330 123 5921 or email careclaims@everywhen.co.uk and explain exactly what happened.
Provide photos if requested to help us understand what happened as quickly as we can.

What our customers are saying

Nursery insurance FAQs

Wondering about something? Don't worry, Everywhen is here to help. We've put together some common questions about nursery insurance cover to support you every step of the way.

Get a quote

Nursery insurance includes a number of different covers, so it is worth speaking to a broker to understand the level of cover you require to ensure that you are adequately protected. These are some of the main things you need to keep in mind when purchasing nursery insurance.

Buildings and contents insurance
Revenue protection
Loss of registration
Liabilities
Personal accident
Employee dishonesty
Legal expenses

Yes, subject to the administration being given in accordance with the manufacturer's or medical practitioner's instructions of both prescribed and non-prescribed medicines/drugs are included under the policy.

Public liability and product liability, including cover for abuse.

Yes, out of school clubs and holiday schemes are covered.

Yes, under the nursery insurance policy you are covered for organised and supervised outings.

This policy does not cover any claims relating to coronavirus including Covid-19 and SARS CoV-2, cyber incidents, wear and tear or communicable disease. Please contact us for further information about the significant terms, conditions and exclusions of the policy which can be provided when you speak to one of our advisers. A policy wording is available upon request.