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.

Our Family Day Care Insurance Package

The Family Day Care Insurance 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. This package includes Family Day Care Australia membership, Public Liability Insurance, Personal Accident Insurance for Children and Accidental Death Cover for Educators.
 

Purchase your family day care insurance

Public Liability Insurance key features:

  • $20 million Public Liability cover
  • $20 million Landlords Liability cover
  • $20 million Products Liability cover
  • $10 million Carer Errors and Omissions cover
  • $200,000 Criminal Defence cover
  • $0 excess on claims
  • Molestation cover
  • Fines and penalties cover up to $50,000 automatically included under the Public Liability policy at no additional cost.^
  • Out of home activity cover
  • Educator Assistant and Relief Educator cover
  • Suspension and extension service
  • 3 and 6 month kick start for new educators
  • Free claims advice
  • Automatic extension for overnight care


Personal Accident Insurance for Children key features:

  • Up to $5,000 in out of pocket expenses for any one claim
  • Up to $30,000 lump sum capital benefit payments for specified injuries
  • Cover for damaged clothing
  • Cover for travel and accommodation for treatment
  • Reimbursement of child care fees and parents’ loss of wages from 3 days up to 52 weeks*
  • $0 excess on claims
  • Cover for up to seven children in care


Accidental Death Cover for Educators key features:

  • $30,000 Accidental Death cover
  • 24 hour cover
  • $0 excess on claims
     

Purchase your family day care insurance



To download a copy of the FDCA Educator Insurance Information and Application Booklet select a version below.


New educators can save $15 on their policy with FDCA Police Checks

Under the Child Care Package, all new family day care educators are required by law to undertake a National Police Check.

FDCA's National Police Check service makes it easy for new educators to undertake a check and they can also save $15 on their FDCA start-up insurance policy if they use our National Police Check Service.

More information about FDCA's National Police Check service is available at www.fdcapolicechecks.com.au.


Additional Insurance Packages

Family Day Care Australia also offers In-Home Care and an Out of Home Care Insurance packages.

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)

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.


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.

*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.

^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.