Do we need PUBLIC LIABILITY insurance? Any recommendations?

[princessmel]

Hi, if we are a running a club for pre schoolers and parents are staying. Is it essential? I'm sure its a good idea to get it though.

Also who do we use? So many companies. Which one??

Thanks

[ara]

Yes - you need PL insurance if you are doing anything with the public i think. Where I work we need facilitators to have it to the value of £5mill - even if they are just storytelling to children!! Seems OTT but the maximum value of a PL claim was £4.something million apparently. It doesn't cost much, around £150 afaik (although it can depend on how much cash you generate I think). It's a must if you are responsible for kids taking part in any activities you have organised or using any equipment you have supplied.

[princessmel]

Thanks £150 a month/year?

[maisykins]

£150 per year for ours. Use a company called Morton Michel or something like that.

[princessmel]

Thanks, we're on their website now. Do you have the 'group' one or the 'parent and toddler' one? Is it awful to do the quote?

[maisykins]

We have the Group one but I dont know what the difference is - just carried on from previous years so dont know that much about getting quotes sorry.

[Scramble]

I got a quote from them years ago and I didn't actually have a business at the time it was all on spec for a proposal I was doing for a work place creche. They were very helpful, and quote seemed reasonable.

[princessmel]

Thnaks Hopefully ours will be on the mother and toddler group policy which is only £60 a year.