SCMA members can access this essential insurance, specifically designed for Scotland's childminders and tailored to meet the particular needs of their Care Commission registration. As long as the childminder is working within their registration requirements, they will be covered by this policy. The premium cost at £31.50 is extremely competitive and the level of cover is exceptional. You MUST be a full member of SCMA to take out SCMA's insurance policy.

Policy Summary

This policy is an annually renewable public liability insurance underwritten by Royal & Sun Alliance Insurance plc. The information given in the document is only an outline of the cover provided. For full terms and conditions of the cover, please refer to the policy document, a copy of which is available on request.

Main Points Of The Policy

As a registered childminder you must have Public Liability Insurance to cover you while you are caring for other people's children. SCMA's policy has been designed by people who understand childminding and includes:

• Indemnity of up to £5 million for accidental injury/death of minded children in your care.
• Accidental damage to minded children's property (including toys) up to £1000 (an excess of £50 applies to claim)
• Administration of medication/first aid treatment
• Legal costs of defending civil actions of malpractice where injury or damage is sustained by a child in your care up to and until a criminal act is proven, with the consent of the company

Exclusions To The Policy

There is no cover for abuse and physical punishment carried out by the insured; loss, or damage to childminder's own property or, in the childminder's custody or control; the childminder's own children.