Omnisure has spent significant time working with the childcare industries biggest and best in class operators across various industries. We recognise the importance of having a trusted partner to guide you in the right direction—one that not only provides expert advice but also adds tangible value to businesses seeking to streamline operations and make informed decisions.

Who We Work With

What Our Clients Say

“Tristen and the Omnisure team have been fantastic to work with. They quickly understood the complexities of our business in the childcare sector and brought a high level of knowledge and insight to the table. Their support has been consistently prompt, courteous, and professional. What really stands out is their dynamic approach—they’re responsive, adaptable, and genuinely invested in helping us manage our risk effectively.” – AG Playscapes

Tailored Childcare Insurance Solutions

Professional Indemnity (PI)
For childcare operators, PI insurance provides coverage for claims made by third parties when you are legally liable for compensation. Unlike traditional PI policies, it covers personal injury or property damage arising from a failing in your childcare services—such as supervision, education, or other childcare-related responsibilities.

Public and Products Liability
This section provides compensation to third parties for claims of personal injury or property damage arising from an occurrence in connection with the business activities and ownership/tenancy of the premises used.

Molestation
An unfortunate reality that insurance must address. Every childcare operator strives to provide top-tier services and carefully vets employees. However, no one expects their business to face liability for such heinous acts—yet it remains a risk. Understanding your exposures is crucial, especially long-term risks. With no statute of limitations on molestation claims, this coverage is essential.

Personal Accident PA (Volunteer, Child, Parent)
Personal Accident (PA) insurance provides compensation for sudden and unexpected accidents that result in bodily injury to the covered individuals. Unlike liability coverage, PA does not require the policyholder to be found legally liable for the policy to be triggered. It offers operators peace of mind and ensures they can support affected families in the aftermath of an accident.

Claims made vs Occurrence Basis.

Depending on your insurer, your policy may contain claims made components across the various risks insured. This is something all owners should be aware of!

Claims Made:
Policies written on a claims made basis are designed to respond to any circumstances which may give rise to a claim or claim itself and are to be notified to the insurer as soon as possible after the occurrence. Simply put, the policy in place at the time the circumstance or claim is notified, is the policy that will respond, irrespective of when the service was provided.

Failure to notify your insurer of a ‘circumstance’ or ‘claim’ during the coverage period could leave claims uninsured. If your policy lapses without run-off cover or an extended reporting period, claims may also go uninsured.

Occurrence Basis
Policies written on an occurrence basis are designed to cover incidents that occur during a policy period, regardless of when the claim is made. In short, the policy in place at the time the loss occurred is the policy that will respond.

Retroactive Dates
It is critical childcare operators are aware if their policy is claims made or occurrence based, particularly given the importance of maintaining a retroactive cover.

This is the date after which the act, error, or omission associated with services provided will be covered by the policy. Conversely, an act, error or omission occurring before the Retroactive date will not be covered.

Therefore, the effect of the Retroactive Date is to exclude any claims arising out of an act error or omission that took place before the Retroactive Date stated in the policy.

Failing to provide an updated declaration for renewal may see the policy go uninsured and your retroactive cover cease!

Management Liability Insurance

Business owners often focus on insuring tangible assets, but what about protecting themselves? As a director making critical decisions daily, you face risks that could have serious financial consequences—both for your company and personally. Without the right coverage, even your personal assets could be at stake.

Management Liability (ML) insurance protects directors, officers, managers, and the company from the risks of mismanagement. It bundles essential coverages to address key exposures faced by business leaders and entities. As a crucial risk management tool, ML insurance should be a core part of any business’s insurance program.

What is included in a Management Liability insurance policy?

Directors & Officers Insurance – provides protection for directors and the executive management of a business where they can be held personally liable for any actual, or alleged mismanagement of the company whilst performing their duties within the business.

Statutory Liability Insurance – offers protection to both insured persons and the company for fines and/or pecuniary penalties imposed by a regulator, for which you are liable to pay (where indemnifiable by Law) for unintentional breaches of certain Acts of Parliament.

Employment Practices Liability Insurance – protects both the directors and the company as employers against claims from employees alleging wrongful/unfair dismissal, bullying, harassment and certain other employment-related incidents.

Tax Audit Expenses Insurance – covers the cost of the company responding to an unexpected tax audit with the assistance of a registered tax agent.

Crime Insurance – protects a business when suffering a direct financial loss, resulting from acts of fraud or dishonesty committed by employees and third parties.

Property Insurance

Small Operator
As an owner, your premises are a vital revenue source, making it essential to have a contingency plan in case of loss or damage.

Property Insurance, through a business package, covers material damage to buildings, contents, stock, and playground soft-fall equipment due to accidental damage, fire, malicious acts, and other insured perils

Large Operator with Multiple Locations
For owners with multiple locations, Industrial Special Risk (ISR) insurance offers a far more tailored solution. ISR provides customized coverage for assets and income loss, allowing for varied sub-limits, coverage enhancements, payroll options, and nominated adjusters. This typically designed for owners with assets exceeding $6 million, it ensures comprehensive protection.

Business Interruption
The insurance of a business’ physical assets is accepted as a normal and essential arrangement to protect the business. Not so often accepted however, is the necessity for a business to also protect the income on which it depends to meet profit expectations, payroll and recurrent overheads incurred in the business after physical damage to those assets.

Business Interruption will cover the loss in gross profit, claims preparation expenses, and the increased additional costs associated with returning the business to pre-loss position. This is a vital cover all operators should have as it serves as the mechanism by which the business can survive.

Cyber and Privacy Protection

Technology is rapidly evolving and is now playing a crucial role in the Childcare industry—improving operational efficiency, strengthening family engagement, and enhancing risk management, including child protection.
Almost every business, regardless of size, handles sensitive data that could be compromised in a cyber incident. This includes customer and staff information, financial records, sales data, marketing plans, and payment details. Any business that stores data electronically, operates a website, or has an online presence is at risk of cyber-attacks or data breaches—events that can be both disruptive and costly.
Cyber insurance is designed to help businesses recover from such incidents. It covers the costs of investigating breaches, implementing corrective actions, and restoring operations—ultimately protecting the business’s profitability and reputation.

This typically includes:

First Party Costs – Covers the costs associated with responding to a cyber incident including:

• IT Forensics
• Data Recovery
• Legal representation
• Notification and public relations cost
• Cyber Extortion Costs

Third Party Losses – Covers Liabilities to third parties following a cyber incident including

• Claims for Compensation
• Legal Defence Costs
• Costs arising from investigations by a government regulator
• Fines and Penalties for breaching the Privacy Act

Business Interruption – Covers lost profits as a direct result of a cyber incident and may include:

• Loss of income
• Business Expenses
• In creased cost of operating your business.

Types of Childcare Businesses We Work With

• Kindergartens and preschools
• Long day care
• Outside school hours care
• Occasional and vacation care
• Play centre cafés
• Property owners of childcare risks
• Nannies
• Babysitters
• Stand-alone home-based childcare

Let’s protect your childcare business.

Get in touch today to discuss your childcare insurance options.

👉 Contact us or call 1800 958 384