Education & Childcare Insurance

At Insurance Broking Services, we understand the unique challenges faced by education and childcare providers across Australia. Whether you operate an early learning centre, private school, registered training organisation, tutoring business, or language academy, you carry regulatory insurance obligations and a duty of care that extends well beyond what a standard business policy addresses. For childcare services, the Education and Care Services National Regulations mandate a minimum $10 million public liability cover — and critically, the policy must be written on an occurrence basis, not claims-made, because allegations of abuse, neglect, or inadequate supervision can surface months or years after an incident. For registered training organisations, ASQA’s Standards for RTOs require public liability insurance covering all operations for the entire period of registration, and a frequently missed coverage trap arises where a bodily injury exclusion in the PI policy combines with a professional services exclusion in the PL policy, leaving a gap where neither responds to a student injury caused by negligent advice or instruction. Cyber exposure is an acute and growing risk across the sector — independent school boards report the widest assurance-to-capability gap of any risk they face, and the highest ransom demands paid in cyber attacks have been for data breaches at schools. We leverage our industry knowledge and insurer connections to build tailored insurance solutions for your situation, ensuring your students, your staff, your governing body, and your organisation are protected and compliant.