SCMA Practitioner Insurance

We know how important it is for you to feel protected. With SCMA membership, you can be assured that our insurance is designed specifically for childcare professionals.

When you buy or renew SCMA membership you will automatically be covered under SCMA Practitioner Insurance. This is arranged by Morton Michel and underwritten by Covea Insurance PLC, so you can be sure that you, your business, and the children you care for are covered.

Limit SCMA Member
Public and Products Liability £10,000,000 Yes
Employers’ Liability £10,000,000 Yes
Professional Indemnity £100,000 Yes
Legal Expenses £100,000 Yes
Childminder Contents £1,000 Yes
Property Damage £1,000 Yes
Loss of Revenue £20,000 Yes
Temporary Suspension of Registration Certificate £2,500 Yes

Alongside the range of SCMA membership benefits, and in addition to the SCMA Practitioner Insurance coverage listed above, you will also benefit from the following

FREE Legal Advice Line provided by ARAG, staffed by qualified solicitors providing practical telephone-based legal advice relating to contractual disputes with parents and money owed to you.
24/7 Confidential Counselling Helpline, staffed by qualified counsellors.
Tax, HR and Business Advice Line, staffed by experts to help you navigate matters relating to your business.
Access to an Online Portal, with customisable legal documentation and templates.
Crisis Communication Advice Service, to help protect your business reputation in the event of adverse publicity.

Terms, conditions, limits, exclusions and excesses apply, as per the Policy Wording.

Important Information
Please read the following documents for more information on the cover provided under the SCMA Practitioner Insurance policy:

It is your responsibility to ensure that the SCMA Practitioner Insurance provided under your SCMA membership meets the needs of your business before you cancel or elect not to renew your current insurance policy.

In order to be automatically covered, you do need to be able to confirm the following statements:

You comply with the terms and conditions of your registration, and you have implemented all requirements made by the registering authority.
You only carry out the following standard childminding activities: caring for children aged between 0-17 years in your own home/registered premises, attending childminding/parent and toddler groups and activities, day trips and outings in the UK, pick-ups and drop-offs, overnight care, babysitting, caring for children with additional needs.
Where you work with assistants to provide childminding services, they are registered and approved by your registering authority if required.
You have never had an application for registration refused, or a registration suspended or terminated by any registering authority.

If you cannot confirm these, then please contact us immediately before purchasing or renewing SCMA membership on 01786 445377.

You must take reasonable care that, to the best of your knowledge, the information you provide is accurate.

Ready to renew your SCMA membership?

Login to the Membership Dashboard and renew online, or you can call us on 01786 445377.

New to SCMA, and want to Join Now?

CLICK HERE to get started, or you can call us on 01786 445377. As always, you can select your preferred method of payment that suits you best. You can choose to pay for SCMA membership with a one-off payment using a debit or credit card, or through our affordable payment plans. We are not able to accept cheques or postal orders.

If you choose to pay via Direct Debit, you’ll never have to worry about losing your membership benefits or discounts. Each year we will send you advance notice of your new membership fee before renewing your plan.

By choosing to purchase membership from SCMA you agree to abide by our terms and conditions, which you can find at For your own benefit and protection, you should read these terms carefully before agreeing to them. If you do not understand any point, please call us on 01786 445377 and ask for further information before proceeding with your purchase.

If your circumstances change and you are no longer able to adhere to these terms and conditions, you will not be eligible for cover and must inform SCMA immediately by emailing us at or by phoning 01786 445377 to discuss the best way forward.

Handling of Complaints

Providing a high-quality service is considered a priority at SCMA. However, if, for any reason, you are unhappy with the service you have received, we have three distinct stages in our complaints procedure to deal with this.

Our Complaints Policy and Procedure are designed to deal with any complaint are outlined in full at If possible, the quickest and easiest way to resolve a complaint is to speak to us about the issue as soon as it arises. Please contact us and we will try to resolve your problems straight away:

Email us:
Calling: 01786 445377

If you have a complaint that relates to the SCMA Practitioner Insurance or the way a claim is/has been handled, then please contact Morton Michel using the following details:

Write to: The Compliance Executive, Morton Michel Limited, 6th Floor Knollys House, 17 Addiscombe Road, Croydon, CR0 6SR
Telephone: 0330 058 9860

If you are not satisfied with our final response, you may, if you are an eligible complainant, be entitled to refer the matter to the Financial Ombudsman Service (FOS). More information is available on request or on their website

For additional information regarding your eligibility and our complaints process please refer to Purchase of Insurance within our Terms.

Confidentiality and Data Protection

As a data controller for the information, you have provided us with, including individual identification, financial details, and special category data (such as medical or criminal history), we have a duty to advise you how we handle this data.

This includes details of our legal basis for processing information, details of third-party recipients, whom it may be necessary to share your personal data with, in order to fulfil a contract, the retention period for data held, security of your data, your rights under the General Data Protection Regulations (GDPR) including the right to complain.

All of this information can be found, in full, within our Privacy Policy.