Insurance for Education, Training & Childcare
Whether you’re running a childcare centre or a corporate training firm, you have a duty of care to everyone who comes through your doors — and the risks are higher than you might think.
Common Risks
- Injuries to students, clients, or visitors.
- Allegations of negligence or misconduct.
- Damage to property during activities.
- Cyber risks from storing personal information.
- Employment-related disputes.
Covers You Might Need
Public Liability
Covers injuries or property damage linked to your operations. A student trips on a loose mat in your centre and needs medical care — this is covered.
Professional Indemnity
Protects you if your teaching, advice, or assessment is claimed to have caused harm or loss. Example: Incorrect certification leads to a client’s loss of work contracts.
Property Insurance
Covers your buildings, classrooms, and equipment. From fire to vandalism, you’ll be able to repair or replace quickly.
Cyber Insurance
Protects personal data stored in your systems.
Management Liability
Covers directors, owners, and managers against certain legal claims.
Why Work with Luma
We understand your responsibility to protect people — and we make sure your insurance lives up to it.
FAQs
Does Public Liability cover 'playground accidents'?
It covers you if the accident happened because of something you could have prevented—like a broken swing or a slippery floor that wasn’t mopped. Kids will be kids, but if a parent claims your facility was unsafe, Public Liability pays for the legal defence and any settlements. It’s your safety net for when “play” turns into a “claim.”
I’m a trainer—why do I need 'Professional Indemnity'?
While Public Liability is for physical trips and falls, Professional Indemnity is for “mental” or “educational” mistakes. If you’re a training RTO and you teach a course incorrectly, or provide a certificate that turns out to be invalid, a student could sue you for their lost time and tuition fees. PI protects you.
We store a lot of family data—is that a risk?
A huge one. Childcare centres and schools are honeypots for hackers because they hold sensitive information like birth certificates and health records. If your system is breached, you aren’t just facing a tech issue; you’re facing a massive PR and legal nightmare. Cyber Insurance helps pay for the specialists to fix the leak and notify the families.
Why are insurance commissions usually so high in this sector?
Because it’s a “specialised” industry, many brokers use that as an excuse to bake in higher commissions (up to 30%). At Luma, we don’t think educating the next generation should come with a hidden tax. We strip out those commissions and charge a flat, fair fee. You see exactly what the insurer gets and exactly what we get.
What if an employee makes a claim against the management?
That’s where Management Liability steps in. Whether it’s an unfair dismissal claim or an allegation that the directors didn’t follow safety regulations, this cover protects the people running the show. It ensures a workplace dispute doesn’t personally bankrupt the owners or board members.