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Q: What type of insurance policies should we take out to make sure we are covered for all risks?

A: You will need to have insurance cover for at least public and employers’ liability insurance. You might want additional optional cover for legal expenses, group equipment, deterioration of refrigerated and frozen food, group money, personal assault, personal clothing, personal accident, professional indemnity, Trustees’ and Officers’ Financial Liability, loss of revenue, All Risks cover on your equipment, and terrorism. There are companies that specialise in insurance for childcare providers – your umbrella organisation may provide a discount if you use a specialist insurance company.