A little help with what other covers are provided by dot2dot

Money Insurance

What is it?

For additional peace of mind all dot2dot policies include money cover. The amounts covered vary, with higher limits applying when your nursery is open and cover being restricted when you’re closed. Where money is kept (e.g. in a safe) also affects cover levels.

Why do I need it?

Properly protecting money and assets is a priority in any organisation. By talking to the team we’ll explain the different limits to your policy and how these can help protect your business.

For more on Money Insurance click here or give us a call

 

Employee Dishonesty Insurance

What is it?

Although thankfully rare, incidents of theft or embezzlement by employees do sometime occur. That’s why our policies include Employee Dishonesty cover which, subject to minimum conditions and standards of control, manages this risk.

Why do I need it?

Employee dishonesty can have a big financial impact on small businesses, who may not be able to absorb any losses that could occur. By including this cover in your policy we can help to protect you against this.

For more on Employee Dishonesty Insurance click here or give us a call

 

Loss of Registration Insurance

What is it?

Loss of Registration is where the certificate allowing you to run your nursery is withdrawn. As long as this withdrawal is due to circumstances beyond your control, we’ll be able to provide you with the support you need.

Why do I need it?

The withdrawal of your certificate could have a huge financial impact on your business. By contacting us within 24 hours of an issue arising, we can work to minimise potential losses.

For more on Loss of Registration Insurance click here or give us a call

 

Equipment Breakdown Insurance

What is it?

From computers and washing machines to boilers and heating systems, we cover you against a wide range of equipment failures that could cause business interruption and result in a loss of income, subject to equipment being well maintained and breakdowns unforeseen.

Why do I need it?

So you can continually provide the best care, all equipment must be kept in good working order, particularly boilers in winter and air conditioning in warmer months. Should you be hit by a breakdown, our cover will help get you back up and running as soon as possible,

For more on Equipment Breakdown Insurance click here or give us a call

 

Personal Accident Insurance

What is it?

Covering both employees and the children who attend your nursery, Personal Accident insurance provides protection should they become seriously injured through no fault of the business, whether on or off the premises.

Why do I need it?

Following a successful claim, benefits would be paid to the nursery. Following an injury to an employee you could then use this compensation to cover support staff costs, or pass it on to the injured party to help support their recovery.

For more on Personal Accident Insurance click here or give us a call

 

Directors and Officers Liability Insurance

What is it?

Directors and Officers Liability cover legally protects key officers, managers, directors or trustees should they be personally sued as a result of actions on behalf of company. Claims arising from Health & Safety breaches are usually the biggest risk.

Why do I need it?

Where a personal claim is made against an individual, your policy will cover legal defence costs. It’s recommended you have this protection with the same insurer who provides your Company Liability cover as claims may run concurrently. While our basic cover limit is £25,000 this can be extended up to £500,000 or more.

For more on Directors and Officers Insurance click here or give us a call

 

Commercial Legal Protection Insurance

What is it?

Commercial legal protection covers you against specified legal action that may be taken against you and your business, including employment disputes.

Why do I need it?

Legal action against nurseries and other small businesses can be costly. However, by immediately contacting our legal helpline and following the advice provided, our policy will cover costs, court expenses and any compensation that may be awarded.

For more on Commercial Legal Protection Insurance click here or give us a call

 

Debt Recovery Insurance

What is it?

When payments become overdue, our Debt Recovery Insurance will act on your behalf to claim the money your business is owed, subject to certain guidelines and procedures being followed correctly.

Why do I need it?

When you’re already busy running a nursery, chasing money from debtors is one more time-consuming task you can do without. So by contacting us with 90 days of a debt being due, we’ll work to recover your unpaid bills.

For more on Debt Recovery Insurance click here or give us a call

Click here to review a summary of the policy details

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