What's covered

Straightforward cover. Explained clearly.

ICAP insurance is designed specifically for children's activity providers.

Every policy provides core protection for the work you do, subject to the policy terms, conditions, exclusions and limits, with options to increase your cover as your business grows.

Important

All insurance benefits are subject to the terms, conditions, exclusions and limits of the policy. Cover available depends on your selected ICAP membership option and the accompanying Evidence of Cover.

Public Liability

Public Liability Insurance 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.

Available up to the limit shown on your Evidence of Cover.

  • Injury claims
  • Property damage
  • Legal defence costs

Employers' Liability

Employers' Liability Insurance helps protect your business against claims from employees or others working under your supervision who suffer injury or illness arising from their work.

Employers' Liability may be required depending on your business structure and who works under your supervision.

  • Employees, helpers & volunteers
  • Legal defence costs
  • Helps meet legal obligations

Professional Indemnity

Professional Indemnity Insurance helps protect against claims alleging negligence or breach of professional duty while delivering your insured activities.

  • Protection for advice and instruction
  • Legal defence costs
  • Professional negligence claims

Cover is provided up to £250,000, subject to the policy terms and conditions.

Equipment Cover

Cover is available for insured equipment against accidental loss, theft or damage.

  • Maximum total claim: £2,000
  • Maximum any one item: £1,000
  • £250 excess applies
  • UK cover only
Membership

Available with your ICAP membership

Your membership provides more than insurance.

Members also receive access to:

  • Practical guides, templates and resources
  • Regular online workshops with expert speakers
  • A supportive community of children's activity providers
  • Opportunities to join the ICAP Mentoring Programme
  • Exclusive member benefits and discounts
  • Priority tickets and discounts for the annual ICAP Conference

and much more...

Important Policy Conditions

  • Cover is subject to the policy terms and conditions.
  • Only approved activities are insured.
  • Certain activities are excluded.
  • Members must remain eligible under the ICAP membership requirements.
  • Some covers only apply where included within your selected membership option.
  • Please refer to the full policy wording and your Evidence of Cover for complete details.

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Disclaimer

This page provides a summary of the insurance available through ICAP membership. It does not form part of the insurance contract and should not be relied upon in place of the full policy wording, schedule or Evidence of Cover.