We know how important it is to you to feel protected.
PACEY membership includes PACEY Practitioner Insurance, arranged by Morton Michel Ltd and underwritten by Covea Insurance PLC, so you can be sure that you, your business, and the children you care for are covered.
Key information at a glance
Terms, conditions, limits, exclusions and excesses apply as per the Policy Wording.
- PACEY Practitioner Insurance covers one childminder and up to two assistants/students.
- If you are a Limited Company, or are registered as Childcare on Domestic premises, please call us on 0300 003 0005 so that we can refer you to our insurance provider to discuss your insurance needs.
- If you employ assistants, or have students or volunteers at your setting, you will need Employer's Liability Insurance to comply with UK employment law. Employer’s Liability cover is included with your PACEY Practitioner Insurance. If you pay your assistant more than £120 per week you will need to provide your ERN/PAYE reference either at the point of join or in your My Details section in MyPACEY.
- PACEY professional indemnity covers up to a maximum claim of £100,000. Local authority requirements differ, so please check the level of cover required in your area, especially if you are providing funded places.
Public liability insurance
It is a legal requirement for childcare professionals to have appropriate public liability insurance covering them in their work with children. PACEY Practitioner Insurance is arranged by Morton Michel Ltd and underwritten by Covea Insurance PLC and is only available to PACEY childminder and nanny members*.
Each year, PACEY's insurance provider works to make sure that the PACEY Practitioner policy continues to meet members' needs. They take into account the claims made, questions asked, and any regulatory changes in the sector. Read the policy summary and full policy wording.
PACEY Practitioner Insurance has public liability insurance cover with a standard limit of indemnity of £10,000,000.
Professional Indemnity Insurance
Professional Indemnity Insurance is included as part of the PACEY Practitioner Insurance. The standard limit of Professional Indemnity Insurance is £100,000.
Read the FAQs here.
Employer's Liability Insurance
If you employ an assistant or another childminder, by law, you need to hold employer's liability insurance and display an employer's liability certificate. You will also need one if a student or volunteer is going to be working with you.
PACEY's Employer’s Liability cover is provided by Morton Michel Ltd as part of the PACEY Practitioner Insurance included in PACEY membership. It covers up to three people (staff, students, or volunteers) including the policy holder, with a standard limit of indemnity £10,000,000.
ELI things to note
If you pay any individual employee more than £120 per week, you are required to provide the Employer Reference Number (ERN - also commonly referred to as the "Employer PAYE Reference"). This can be found on your yellow PAYE payment booklet (P30BC), or on the electronic PAYE reminders that HMRC sends you each year.
If you do not pay your employees over the threshold, you are exempt from supplying this number. You are also exempt if you are based in Jersey or Guernsey. You must, however, keep payroll records.
If these circumstances change, you should inform us by emailing firstname.lastname@example.org, or calling us on 0300 003 0005. Failure to do so may invalidate your employer's liability insurance in the event of a claim.
Childcare on domestic premises
PACEY Practitioner Insurance is for the policyholder and up to two other staff members, including volunteers or students. If you work with three or more other people, you'll need to read the information in MyPACEY about registering as a childcare provider on domestic premises. Contact the customer services team and they will put you in touch with our insurance partner. Call us on 0300 003 0005 or email email@example.com.
Need more information?
If you need to make a claim against your PLI, Please click here for information on how to make a claim.
You can print a copy of your PLI certificate from within MyPACEY once you've logged in.
Discover more benefits available to members of PACEY.
PACEY Practitioner Policy is arranged and administered by Morton Michel Limited and underwritten by Covea Insurance plc.
Professional Association For Childcare And Early Years (PACEY), Registered in England and Wales under No. 02060964. Registered Office: Northside House (Third Floor), 69 Tweedy Road, Bromley, Kent, BR1 3WA. PACEY is an Introducer Appointed Representative of Morton Michel Ltd for general insurance business and is authorised by them.
Morton Michel Ltd is authorised and regulated by the Financial Conduct Authority, Firm reference No. 527300. Registered in England and Wales under No. 5120835. Registered Office: Rossington’s Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. Morton Michel Ltd is part of the PIB Group. PACEY and Morton Michel Ltd are not part of the same corporate group.