We know how important it is to you to feel protected.
PACEY membership includes PACEY Practitioner Insurance, arranged by Childcare Insurance Services (CIS) 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
- 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 we can make sure you are adequately covered under your policy.
- If you employ assistants, or have students or volunteers at your setting, you will need Employer's Liability Insurance. 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 Childcare Insurance Services (CIS) and underwritten by Covea Insurance PLC and is only available to PACEY members*.
Each year, PACEY works with our insurance provider to make sure that the policy options we offer continue to meet members' needs. We take into account the claims made, questions asked, and any regulatory changes in the sector. Read the policy summary and full policy wording.
PACEY's public liability insurance cover has 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 Professional Indemnity Insurance limit is £100,000.
Please call our Membership Services team on 0300 003 0005 for more details.
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 offered 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
When purchasing employer's liability insurance, 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
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.
Need more information?
For more information about any of PACEY's Practitioner Insurance, call the PACEY membership team on 0300 003 0005.
If you need to make a claim against your PLI, Please click here for information on how to make a claim.
You can print your PLI certificate from within MyPACEY once you've logged in.
Find out how Childcare Insurance Services (CIS) uses your information.
Discover more benefits available to members of PACEY.
*and registered childminders in Scotland who are members of SCMA.
PACEY is authorised and regulated by the Financial Services Authority. No. 310339.