A new building in our garden... insurance cover?

paddyandstumpy

Try Morton Michel, they have a childcare scheme and can cover run from home nurseries.

SonOf

It's a small childcare business (2 staff, up to 20 kids) using a new purpose-built building.

Yes, that changes a lot. You are completely away from the mainstream now and need dedicated insurance. Even though the building is separate from the house, your home insurer will still need to know you are operating a business from the site and many will refuse to offer cover.

Mr.Boy

paddyandstumpy wrote: »

Try Morton Michel, they have a childcare scheme and can cover run from home nurseries.

Cheers I'll look them up.

The issue is what we of course need house insurance and I'm a little dubious having a nursery insurer cover our house.
We had hoped for one of 2 options:

1. an insurer A would cover our house, and the nursery building - which we own personally, and we could get a specialist nursery provider B to cover the business parts... contents, indemnity, income protection, etc.
2. Insurer A would cover our house in a fairly normal policy, knowing we have the business in our 'grounds' separately. Insurer B would provide cover the nursery building, and all the business -specific stuff. Then if there is an issue on the nursery, we aren't having to contact 2 insurers for e.g. contents and building claims.

We are (effectively) renting the building we own personally in our garden/curtilage to the business but cannot find any policies for a building rented to a business.

Zorillo

d000hg wrote: »

It's a small childcare business (2 staff, up to 20 kids) using a new purpose-built building.

Aren't they just for people who work from home, rather than running a business with people on site?

No, they're not. Speak to a broker. Morton Michel is a good shout.

Thrugelmir

Find yourselves a good commercial insurance broker. The nursery building isn't going to be covered under residential property cover.

Mr.Boy

Thrugelmir wrote: »

Find yourselves a good commercial insurance broker. The nursery building isn't going to be covered under residential property cover.

Any recommendations?

paddyandstumpy

d000hg wrote: »

Any recommendations?

What was the outcome of the recommendation you have just had?

I used to deal with them, I know for a fact they can cater for your circs!!!

Mr.Boy

They haven't gotten back to me yet. If you go with MM as your recommendation that's good to hear.

rs65

The likes of Ecclesiastical do a nursery package policy and can include buildings

Thrugelmir

d000hg wrote: »

Any recommendations?

Must be a few in your locality.