ChildminderAgency Insurance for Childcare Agencies (registered with Ofsted) Proposal Arranged by Morton Michel
Covea Insurance plc Insurance for ChildminderAgency Proposal Form To be able to take out the ChildminderAgency policy you must be registered/in the process of registering with OFSTED as a childminder agency to carry out the registration and regulation of childminders as part of your business. Your insurance will be provided under the Childminder Agency Policy, insured by Covea Insurance plc for all sections other than the Legal Expenses section which is administered by ARAG plc on behalf of the insurer Brit Syndicate 2987 at Lloyd s. Any special terms or conditions will be advised to you in writing. Please read the Summary and Guide carefully before you complete this form. Fair Presentation of the Risk You have a duty to make a fair presentation of the risk which is covered by this policy. Therefore you should ensure that any information you have provided to us and the content of any application form, declaration and / or Statement of Fact is accurate and complete. Where you have provided us with information which relates to matters of your expectation or belief, it does not matter if such information turns out to be inaccurate provided that you acted in good faith when you provided us with such information. If you do not comply with your duty to make a fair presentation of the risk, including failing to disclose or misrepresenting a material fact, or disclosing material facts to us in a way which is not clear and accessible your policy may not be valid or the policy may not cover you fully or at all. A material fact is any fact which could influence our assessment or acceptance of your application for insurance. You must also tell us about any facts or changes which affect your insurance and which have occurred either since the policy started or since the last renewal date. If you are not sure whether certain facts are relevant please ask Morton Michel. If you do not tell us about relevant changes, your policy may not be valid or the policy may not cover you fully or at all. You must check all the information contained within this document immediately and tell us if any details are incorrect. You should keep a written record (including copies of letters) of any information you give Morton Michel. Please complete and return this form to Morton Michel, Alhambra House, 9 St Michaels Road, Croydon, CR9 3DD. Or alternatively you may wish to scan this form and email it to childminder@mortonmichel.com. Name of Agency Address of Agency Arranged by Postcode Landline Mobile Email address Please note this address will be used for correspondence purposes unless otherwise requested. Insurance to commence from: / / 1. What is the agency s current legal status? (Please see page 23 of the Summary and Guide in relation to Legal Status) Sole Trader Partnership Limited Liability Partnership Private Company Limited by Guarantee Private Limited Company (UK registered) Charity (UK registered) Club or Association Statutory Body Other (please provide details): Please provide registered charity number if applicable: Please provide registered company number if applicable: 2. Please confirm your Agency s full legal title (e.g. A. Smith, A. Smith t/a ABC Group, ABC Group Limited, ABC Group Limited t/a Group, etc): 3. Will the agency be part of a Sure Start Children s Centre? If YES, will the agency be directly managed by the Children s Centre? 4. Do you already own or run any existing early years or childcare provisions? If YES, please provide details: 5. Have you been allocated an Employer Reference Number (ERN) by PAYE of Her Majesty s Revenue and Customs? If YES, please state ERN: 2 6. Does the agency have more than one branch? If YES, please provide details on the number and location of the branches and continue on a separate sheet if necessary:
Information about you 1. Your full name: 2. Will you be the nominated individual responsible for the day to day running of the Childminder Agency? If NO, name of the nominated individual: 3. Please give full details of any childcare and education related qualifications and experience that you / the nominated individual hold (continue on another sheet if necessary): 4. Have you, your directors or partners: a) been declared bankrupt or insolvent or been the subject of bankruptcy proceedings or an Individual Voluntary Arrangement? b) been a principal, director or partner in any business which is or has been the subject of a winding up or administration order, receivership proceedings or a Company Voluntary Arrangement? c) been the subject of a County Court Judgement (or Scottish equivalent) or are any proceedings pending? d) been convicted of or charged with (but not tried) or received a police caution in connection with any criminal offence (other than motoring offences)? te: Convictions regarded as spent under the Rehabilitation of Offenders Act 1974 (as amended within Part 3 of the Legal Aid, Sentencing and Punishment of Offenders Act 2012) do not need to be disclosed. e) been prosecuted or received notice of intended prosecution, issued with a simple caution or been served with a prohibition or improvement notice in connection with any breach of any health and safety legislation? f) failed to implement any requirements made by previous insurers as a condition for the provision of insurance cover? g) been the subject of a Debt Relief Order or are there any applications pending? If YES, to any of the above please give full details (continue on a separate sheet if necessary): 5. a) Do you have any existing insurances with Morton Michel? If YES, please state the policy number(s): b) Have you had any previous insurances with Morton Michel? If YES, please state policy number(s): 3
Information about the agency and activities Please enclose a copy of your Ofsted Statement of Purpose. 1. Are you a Childminder Placement Agency? (Please see page 23 of the Summary & Guide for definition of a Childminder Placement Agency) If YES a) How many childminders registered on the Early Years Register do you place? b) Do you place any other type of childcarer? If YES to b) c) How many childcarers (other than registered childminders) do you place? d) What type of childcarers do you place? (Please tick all that apply) Childminders exempt from registration Nannies Nursery Staff Doulas Maternity Nurses other 2. Are you a Childminder Employment Agency? (Please see page 23 of the Summary & Guide for definition of a Childminder Employment Agency) If YES a) How many childminders registered on the Early Years Register do you employ? b) Do you employ any other type of childcarer? If YES to b) c) How many childcarers (other than registered childminders) do you employ? d) What type of childcarers (other than childminders) do you employ? (Please tick all that apply) Childminders exempt from registration Nannies Nursery Staff Doulas Maternity Nurses other 3. Are you a Childminder Employment and Placement Agency? (Please see page 23 of the Summary & Guide for definition of a Childminder Employment and Placement Agency) If YES a) How many childminders registered on the Early Years Register do you employ? b) How many childminders registered on the Early Years Register do you place? c) Do you employ or place any other type of childcarer? If YES to c) d) How many childcarers (other than registered childminders) do you employ? e) How many childcarers (other than registered childminders) do you place? f) What type of childcarers (other than registered childminders) do you employ/place? (Please tick all that apply) Childminders exempt from registration Nannies Nursery Staff Doulas Maternity Nurses other 4. a) Please state the Agency Ofsted registration number: b) Has your Ofsted registration ever been opposed or refused? c) Are there any outstanding Ofsted requirements or recommendations? 4
d) Date of Agency Ofsted registration: e) Date of Agency last Ofsted inspection: / / / / 5. Please describe the activities the agency will undertake, for example will you be running any mobile crèche provision, or providing training courses to the public? Please give as much detail as necessary and attach any promotional literature/ a covering letter if needed: 6. a) If you provide training, what training courses do you provide? b) How often will these run? c) Do you provide training for any childcarers not placed or employed by you? d) Will the trainer be a directly employed member of staff? e) If NO, do you check that they hold their own valid insurance policy? 7. a) Do you obtain satisfactory and confirmed references in writing of prospective employees and volunteers integrity before engaging them? b) Where you are required by law to do so, have you obtained all necessary criminal records and barred list checks in respect of all relevant current and prospective employees, volunteers, childminders registered with you and other childcarers represented by you? c) While you are awaiting the outcome of a criminal record and barred list check on an employee or volunteer, will they be supervised at all times while engaged in the business by an employee for whom criminal records and barred list checks have been obtained? If NO, to any of the above please give a full explanation: 8. Do you have any employees, volunteers, childminders registered with you or other childcarers represented by you who are under the age of eighteen? If YES, please provide full details: 9. Has there ever been a claim (insured or otherwise) including Legal Expenses and Debt Recovery claims, made by or against you in a childcare or other capacity? If YES, please state full details of the claim(s) (continue on a separate sheet if necessary): 10. In respect of the risks you wish to insure, has any insurer ever: a) declined your proposal (i.e. refused to provide an insurance quotation for you)? b) refused to offer renewal of, or cancelled your policy? c) imposed special terms or conditions? If you have ticked ANY of the shaded boxes, please give full details: 5
The Cover You are automatically covered for the following sections, please see the Summary & Guide for details of the sums insured and limits for each section: Public and Products Liability / Professional Indemnity / Employers Liability / Agency Contents / All Risks / Agency Money / Legal Expenses / Personal Assault / Computer Equipment Breakdown. Employers Liability You are automatically insured for 10,000,000 limit of liability for Employers Liability in respect of non-childcare staff only. If you are an employment agency or an employment and placement agency, this section will extend to cover the childcarers that you directly employ. Public and Products Liability You are automatically insured for an indemnity limit of 5,000,000 for Public Liability. If you are an employment agency or an employment and placement agency, this section will extend to cover the childcarers that you directly employ. Professional Indemnity You are automatically insured for a limit of indemnity of 250,000. 1. Do you require a higher limit of 500,000? 2. Do you require a higher limit of 1,000,000? 3. Do you use any self-employed persons or contract hire persons (other than childcarers) in connection with the business (such as trainers, inspectors, etc)? If YES i) Please confirm how many: ii) Please confirm in what capacity: Agency Contents You are automatically insured for up to 6,000 of Agency Contents (including up to 1,000 for Computer Equipment). 4. Do you require a higher amount of cover? If YES, please indicate the amount required below: Agency Contents Computer Equipment All Risks You are automatically covered for up to 1,000 of unspecified items of Agency Contents. 5. Do you require a higher amount of unspecified All Risks cover? If YES, please indicate the amount required: 6. Do you require All Risks cover for specified items? 6
If YES, please give full details: Description Serial Number Replacement Value Agency Money Full details of the money limits are shown in the Summary & Guide. If you require higher limits please contact Morton Michel. Money on the premises during business hours is covered up to 2,000 and outside of business hours up to 1,000, in an approved locked safe(s). 7. Please give full details of your safe(s): Make of safe Model Age Location and fixings Optional Covers For more details on the covers listed below please refer to the Summary and Guide Loss of Revenue and Increased Cost of Working 1. Do you require full Loss of Revenue cover (inclusive of Increased Cost of Working) with an indemnity period of 12 months? If YES, please state the amount required: You must insure for your anticipated gross fee income/turnover for the next 12 months 2. Do you require Increased Cost Of Working only cover? If YES, please specify the amount required: 5,000 10,000 Glass 3. Do you require Glass cover? If YES, do you have any armoured, bent or other special glass, or any lettering or designs on glass? If YES, please provide full details: Personal Accident 4. Do you want to insure for Personal Accident for Agency Officials? 7
Directors and Officers Liability Please note that this cover is only available for Private Limited companies (UK registered) or private companies limited by guarantee with an annual turnover of up to 5,000,000. Charities (UK registered) or clubs or associations with annual revenues up to 5,000,000. 5. Do you require Directors and Officers Liability cover? If YES, Terrorism a) Is your status shown above as eligible for this cover? b) Have you been trading for at least 18 months? c) Have you made a net profit in the last 12 months? d) Do your latest annual accounts show positive net worth (i.e your assets exceed your liabilities)? e) Have there been any previous claims that would have been covered under a Directors and Officers Liability policy had it been in force? f) Are you aware of any circumstance that may give rise to a claim under a Directors and Officers Liability policy? You can select to protect your Contents, Revenue and Buildings (if insured) against acts of terrorism. 6. Do you wish to include terrorism cover in your policy? The Premises 1. a) What is the approximate age of the buildings? Pre 1850 1850-1975 1976-1989 b) How many storeys does the building have? c) Does your premises have a basement? 1990+ 2. Are all the buildings (including outbuildings other than sheds): a) built of brick, stone or concrete and roofed with slates, tiles, concrete or metal? b) in an area unduly exposed to storm or impact damage? If you have ticked ANY of the shaded boxes please give full details: 3. Is more than 20% of your roof flat? If YES, a) What is the age of the flat roof? b) What is the roof made of? (E.g. felt on timber, bitumen,asphalt, etc) c) What percentage of the total roof area is flat? % 8
4. Have the premises ever been flooded; are they in an area liable to flooding or within ¼ mile from any river, watercourse or sea, or have you been informed that your premises is in a potential flood risk area? If YES, please give full details: 5. a) Have all relevant risk assessments been carried out and are they fully documented? b) Do you have a written Fire Risk Assessment? c) Do you have a written Health and Safety policy? d) Are your risk assessments and health and safety policy regularly reviewed? If NO to ANY of the above, please give full details: 6. Are the buildings used solely as a Childminder Agency? If NO a) Please give full details including the occupation of any other tenants and advise how the businesses are separated: b) Is any part of the premises occupied for residential purposes? If YES, are the contents of that part also used in connection with the business? 7. Are there any adjoining buildings? If YES, please give details of the trades carried out therein and how they are separated from your buildings 8. a) Are the premises protected by an intruder alarm which is in working order and subject to a maintenance contract? b) Are all the external doors to your premises (including outbuildings other than sheds) protected in accordance with the Guide to Security in the Summary and Guide? c) Are all opening windows to your premises (including outbuildings other than sheds) protected in accordance with the Guide to Security in the Summary and Guide? If NO to b) or c), please give details of other security fittings: 9
9. Do you need to insure your buildings? If YES, please state the full rebuilding cost including all fixtures and fittings, outbuildings annexes and walls, gates and fences plus an allowance for architects fees: 10. Do you need to insure for tenant s improvements? If YES, please state the full rebuilding cost for tenant s improvements in which you are responsible (e.g. partitions, laminated floor coverings, children s wash basins etc): 11. Do you store any part of your equipment in: a) timber and/or plastic shed(s) valued at more than 1500 OR store within such shed(s) a total value of contents of more than 1500? If YES, please state: i) the replacement value of the shed(s): ii) the total value of the contents stored in the shed(s): b) metal shed(s) valued at more than 2500 OR store within such shed(s) a total value of contents of more than 2500? If YES, please state: i) The replacement value of the shed(s): ii) The total value of the contents stored in the shed(s): c) any other type of shed? If YES, please state: i) The replacement value of the shed(s): ii) The total value of the contents stored in the shed(s): iii) The nature of construction of the shed(s) (e.g. metal and plastic composite): If you have answered YES to a), b) or c), are all the doors and windows of each shed to be insured protected in accordance with the Guide to Security in the Summary and Guide? If NO, please give full details of all security fittings on the shed(s): 10
Declaration Please read the declaration carefully and check the answers you have given before signing the proposal form. I/We (or, in the case of a partnership or a limited company, any one of the partners or directors) apply to Covea Insurance plc for ChildminderAgency insurance and a) declare that the answers I/we have given are true and complete to the best of my/our knowledge and belief. I/we have disclosed all material facts and understand that failure to do so could mean that my/our policy may not be valid or may not cover me/us fully or at all.if any written answer has been made by another person, such person shall for that purpose be deemed to be my/our agent and not the agent of Covea Insurance plc. To the extent that has been necessary, I/we have consulted relevant members of the organisation to verify answers stated in this form b) understand that Covea Insurance plc reserves the right to contact previous insurers to verify the information contained in this form c) declare that all appropriate enquiries have been made to ensure that no principal, director, partner, employee or voluntary helper is, or is obliged to be, listed on the Sex Offenders Register pursuant to the Sex Offenders Act 1997 (as amended by the Sexual Offences Act 2003) Data Protection Act I/we understand and agree that the personal information I/we provide (including sensitive personal details) may be used for insurance purposes bythe insurers, their connected companies, reinsurers, agents and subcontractors; and also shared with other insurance companies as required for the purposes of my/ our insurance. Where we have provided information about my/our spouse(s), partner(s) or another person/ other persons (including their sensitive personal details) I/we confirm that I/we have their permission to provide this information for insurance purposes. I/we understand that I am/we are entitled to a copy of my/our personal information on payment of a fee. Demands and Needs The ChildMinder Agency policy has been designed to meet the needs of Childminder Agencies registered with Ofsted to register, train, inspect and regulate childminders. This policy caters for those agencies registering both nannies and childminders either as placement agencies or agencies that directly employ their childcarers. If you are not such an organisation then you should not apply for the ChildMinder Agency policy. It may be that one of Morton Michel s other policies is suitable for your requirements and details of these can be found at www.mortonmichel.com. Capacity Disclosure Morton Michel does not make recommendations or provide advice. You will need to make your own choice as to how you wish to proceed. In providing a policy that meets your requirements, Morton Michel does not conduct a full market analysis but will place your insurance under a scheme provided by Covea Insurance plc which we have identified as being suitable for this type of insurance. We have delegated underwriting authority from Covea Insurance plc and ARAG plc in placing your business directly with Covea Insurance plc we are acting as the agent of Covea Insurance plc as insurer and ARAG plc as a coverholder of insurer Brit Syndicate 2987 at Lloyd s. From time to time, Morton Michel may wish to send you details of services and products, if you do not wish to receive such mailings, please tick this box. Signed Position Date (Please note that the proposal should be signed by the owner/proprietor/partner/director of the business, whichever is applicable. Both signatures required if proposal is in joint names) Cover does not commence until the proposal has been formally accepted by Morton Michel unless otherwise agreed by Morton Michel. How would you like your documentation sent to you? We now aim to send all insurance documents in pdf format by email. This is quicker and kinder to the environment. It also means that you can keep a copy on your computer to print out whenever required. If you would prefer to have a copy of your policy schedule, Employers Liability certificate and policy booklet sent to you by post instead of email, please tick the box below. If you do not tick the box then your documents will be sent via email. Please send my documents by post Where did you hear about Morton Michel? (Please tick as appropriate): Ofsted Friend Childcare magazine (please state which publication) Childcare Motor Insurance Would you like Morton Michel to provide a quotation? Underwritten by Covea Insurance plc. Registered in England and Wales. 613259. Registered office: rman Place, Reading, Berkshire, RG1 8DA. Covea Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It appears on the Financial Services Register under number 202277. 11
www.mortonmichel.com Arranged by Tel: 020 8603 0900 Fax: 0845 257 0547/0548 www.mortonmichel.com Morton Michel Alhambra House 9 St Michaels Road Croydon CR9 3DD www.mortonmichel.com KH4980 08.16