Tank Insurance
Call 02 9000 1155
Modern building housing a childcare centre with secure outdoor area

Childcare Centre Strata Insurance

Strata cover for buildings with childcare tenancies. We have access to underwriters who have appetite for the regulatory requirements and underwriting considerations that make these placements unique.

Market

Access

Compliance

Focused

No

Referral Fees

Recognition

Industry Awards

Childcare tenancies create specific underwriting considerations that require access to the right markets. Compliance, building safety, and heightened duty of care all affect how underwriters assess the risk, and not all insurers have appetite for it.

Get a Quote Call 02 9000 1155

Regulatory Considerations

Childcare centres must comply with the National Quality Framework and state-specific regulations. These requirements affect building modifications, common property usage, and insurance terms. We present these details to underwriters who have appetite for buildings with childcare tenancies.

Common Property Considerations

Outdoor play areas, drop-off zones, and secure fencing often interact with strata common property. We can access underwriters who properly account for these shared spaces in the common property coverage.

WHY TANK INSURANCE

How we help strata schemes with childcare tenancies

Childcare tenancies in strata buildings create unique insurance requirements around safety, access, and liability. We have access to underwriters who have appetite for these placements and can present the risk for competitive terms.

Modern mixed-use commercial building with ground floor tenancies

01

Market Access for Childcare Tenancies

Not all strata underwriters have appetite for buildings with childcare tenancies. We have access to multiple markets, including those with specific appetite for childcare occupancy in standalone and mixed-use schemes.

02

Risk Presentation

Underwriters want to see that the building's safety features meet childcare requirements. We present fencing, access control, and fire safety details in our submissions to give underwriters the information they need.

03

Lease and Liability Considerations

Insurance clauses in childcare leases matter. We can help clarify the tenant's obligations so the owners corporation isn't carrying liability that belongs to the operator.

04

Competitive Market Search

Childcare tenancies don't have to mean expensive strata insurance. Access to the right underwriters and proper risk presentation can deliver competitive terms.

RISK ASSESSMENT

Key Risks for Strata Buildings with Childcare Tenancies

Childcare tenancies introduce specific risks that underwriters assess when quoting strata cover.

Child safety incidents in common areas, car parks, and building access points
Fire safety compliance requirements specific to buildings with childcare occupancy
Slip-and-fall injuries for parents, children, and staff in common areas and drop-off zones
Water damage from plumbing failures affecting building structure and childcare operations
Building security requirements including fencing, access control, and CCTV for childcare zones
Noise and vibration complaints from childcare operations affecting other strata lot owners
Outdoor play area maintenance and liability for equipment installed on common property
Regulatory changes requiring building modifications to meet updated childcare standards

A building that meets all regulatory requirements and has clear lease arrangements with the childcare operator will attract significantly better insurance terms.

Get a Quote

POLICY SCOPE

What Childcare Centre Strata Insurance Covers

The strata policy covers the building and common property. Childcare operational risks are the operator's responsibility under their own insurance.

Modern commercial building facade with architectural detail
Modern commercial building facade with architectural detail

Usually Covered

✓ Building structure including any childcare-specific building modifications
✓ Common property: lobbies, car parks, drop-off zones, fencing, and landscaping
✓ Public liability for incidents in strata common areas
✓ Office bearers liability for committee decisions
✓ Machinery breakdown for shared building plant
✓ Storm, fire, and water damage to the building structure

Not Typically Covered

✕ Childcare operator's professional liability and duty of care claims
✕ Playground equipment owned by the childcare operator
✕ Childcare operator's business interruption or loss of income
✕ Individual tenant fitouts and contents
✕ Children's personal belongings or injuries within the childcare lot
✕ Operator's public liability (requires their own public liability)

Childcare operators must carry their own comprehensive insurance. The strata policy and the operator's policy work together to ensure full coverage across the building.

Get a Quote

QUESTIONS

Childcare Centre Strata Insurance FAQs

Childcare tenancies affect strata insurance because of the heightened duty of care owed to children on the premises. Underwriters assess the building's safety features, fencing, access control, and compliance with childcare regulations. Some strata underwriters have specific appetite for buildings with childcare tenancies while others may load premiums or decline.
No. The strata policy covers the building and common property. The childcare operator needs their own public liability and professional indemnity insurance to cover their operations, staff, and duty of care to children.
If outdoor play areas are on common property (as opposed to the childcare lot's exclusive-use area), the owners corporation should ensure the strata policy's public liability coverage is adequate. The childcare operator's lease should also address maintenance responsibilities and liability for play equipment.
Yes. Buildings with childcare tenancies must comply with the National Quality Framework and state-specific regulations covering indoor and outdoor space, fencing, fire safety, and building access. These requirements may necessitate modifications to common property. Compliance affects both the building's insurance terms and its strata management obligations.
It can, but it's manageable with the right market access. Childcare in a mixed-use building adds complexity because of the interaction between children, commercial tenants, and residential occupants. We have access to underwriters who have appetite for childcare tenancies and can present these risks clearly on your behalf.
Modern building with childcare facilities representing strata insurance

Strata Cover for Buildings with Childcare Tenancies

We have access to underwriters with appetite for childcare tenancies in strata buildings and can search the market for competitive terms.

Call 02 9000 1155 Request a Quote →

Expert Review: 20/02/2026

Verified by Tank Insurance Brokers

Call Us Now +61 2 9000 1155