In what instances, might a nursery or creche have to claim insurance?

Question

please give 3 examples.

Answer 1

Based upon others judgement will not get the wise decision.However,other's suggestion might be helpful.Here is a good resource for the question.

http://insurance.online-assistant.info/i...

Answer 2

accidental injury to a child or staff member, flooding or perhaps damage due to vandalism, such as broken windows.

Answer 3

1) if a baby pooped and stained the carpet

2) if a baby pooped and stained the aunty's clothes

3) if the baby pooped and you were with lack of oxygen (perhaps that comes under medical insurance)

Answer 4

Death or injury of child, parent or any other third party on its premises

Death or injury to staff members

Fire, theft or other damage to its premises.

Answer 5

Any damage to building or interior that was over the excess amount. Eg: A tree falls on the roof during storm.

Any injury or death to a child, staff or adult within the setting.

Eg: Child falls off climbing frame, breaks arm and parents sue!

Something is stolen!

eg: A member of staff steals a laptop and runs away with it! Or someone breaks in a steals stuff!