Insurance for family day care educators

Family Day Care Australia is your national peak body for family day care. Which is why we care more about family day care - it’s why we’re here.

With 30 years experience representing, supporting and promoting family day care we know what’s important to you.

Family Day Care Australia provides exceptional cover with the protection you need. What’s more, we offer $0 excess on claims which could save you hundreds in the event of a claim. Our members-only policy ensures you receive the cover you require and the value you deserve.

As a licensed insurance broker (AFSL 329 616) and with our insurance backed by the strength of Lloyd’s of London, we’ve got you covered.

Increased cover in 2018!

We are also pleased to announce that in 2018 we will be offering increased cover at a lower price for our family day care packages.*

Our increased cover includes:

  • Fines and penalties cover doubling from $25,000 to $50,000 and will be automatically included under the Public Liability policy at no additional cost.^
  • Accidental death for educators increasing from $10,000 to $30,000 (plus Funeral Expense cover up to $5,000) and is now an included benefit under the Personal Accident for Children policy.
  • Other benefits of the Personal Accident for Children policy include:^
    • Out of pocket expenses covered up to $5,000 that are incurred by the parent due to their child having an accident.
    • Loss of income covered up to $5,000 in the instance the child’s parents are unable to work due to their child’s accident.
  • Family Day Care Australia will also continue to offer educators $20 million public liability cover with no excess on all claims.
     

Purchase your family day care insurance


Insurance Packages

We offer three insurance packages designed to meet the specific needs of your business.

Family Day Care Package

This package is for family day care educators who provide traditional family day care as well as those educators who provide both family day care and in-home care. It includes:

  • Family Day Care Australia membership
  • Public Liability Insurance (now includes fines and penalties cover)
  • Personal Accident Insurance for Children (now includes accidental death for educators)


In-Home Care Package

This package is for in-home carers who provide care in the child’s own home. It includes:

  • Family Day Care Australia membership
    • Public Liability Insurance (now includes fines and penalties cover)
    • Personal Accident Insurance for Children (now includes accidental death for educators)


Out of Home Care Package

This package is for family day care educators who provide both family day care and Out of Home Care*. This package includes a specific extension to account for the needs of children and young people in OOHC. It includes:

  • Family Day Care Australia membership
    • Public Liability Insurance with OOHC extension (now includes fines and penalties cover)
    • Personal Accident Insurance for Children (now includes accidental death for educators)

Click here to download a copy of the FDCA Educator Insurance Information and Application Booklet.

If you would like to customise your own insurance package you can call Family Day Care Australia on 1800 658 699. You can also find out more about our insurance products by clicking on the products on the left of the page.

Cover is always subject to the terms and conditions of the policy.

*OOHC refers to the provision of care through your family day care service, on a fee for service basis for children placed by a private or government agency which holds legal guardianship of the child, and where the care is for periods greater than 12 continuous hours. It does not apply to those providing regular family day care for children placed by their parents, nor does it apply to those who provide foster care on an individual private basis, arranged outside their family day care service.


Insurance Brokers Code of Practice

FDCA subscribes to the National Insurance Brokers Code of Practice (the code).

The code sets out standards for brokers to follow when dealing with clients. The code is available for download at www.niba.com.au.

 

*Does not include the In-Home Care package or service starter packs
^For a full list of policy benefits and their limits please refer to the relevant policy wording located at www.familydaycare.com.au/policy-docs.

DISCLAIMER

Family Day Care Australia ABN 93 094 436 021 AFSL 329 616 receives commission and fees for arranging insurance products. For full details see our Financial Services Guide (FSG). Because we don’t know your financial needs, we can’t advise if these insurances will suit you and we do not take into account your personal circumstances. The information we provide is general in nature only. You should consider your needs and read the Policy Wording before making a decision to buy this insurance. Please call us on 1800 658 699 for a copy of the FSG and Policy Wording.