Insurance for children's activity providers.
ICAP was built for the people who build childhood. Our membership brings together insurance, resources and a supportive community for children's class and activity businesses.
Public Liability
Public Liability helps protect your business against claims arising from accidental injury to third parties or accidental damage to third-party property while carrying out your insured activities. Choose £5m or £10m.
Professional Indemnity
Professional Indemnity helps protect against claims alleging negligence or breach of professional duty while delivering your insured activities, up to £250,000.
Equipment Cover
Insured equipment is covered against accidental loss, theft or damage — up to £2,000 in total and £1,000 any one item, with a £250 excess. UK cover only.
Employers' Liability
Employers' Liability helps protect against claims from employees, helpers or volunteers working under your supervision. It may be required depending on your business structure.
Approved activities include
- Baby Sensory classes and experiences
- Developmental Play
- Arts and crafts
- Dance, drama and music
- Children's cooking classes
- Sign language classes
Frequently asked questions
Is soft play or inflatable equipment covered?
No. Adventure playgrounds, children's play centres and inflatable equipment are not approved activities.
What's the difference between Public Liability and Professional Indemnity?
Public Liability covers accidental injury or property damage to third parties. Professional Indemnity covers claims that your instruction or advice was negligent.
Can I choose £5m or £10m Public Liability?
Yes. Every ICAP membership tier is available with £5m Public Liability as standard, or upgraded to £10m. Many venues and schools ask for a specific level, so check your hire agreement.
Is VAT included in the price?
Headline prices are shown before VAT, which is added at checkout.
How quickly can I get a quote?
Our quote tool recommends a tier based on your annual revenue in seconds. You can then join online and pay monthly or annually.