As a Director of an insurance brokerage specialising in children’s nursery insurance, I wanted to share my knowledge and the lessons that I have learned in supporting nurseries who have found themselves facing safeguarding allegations. Whilst I fully appreciate that the legislation is aimed quite rightly at the protection of children, I am writing from the perspective of a professional insurance brokers primarily concerned with the protection of my clients. Any allegations of child abuse even when unproven can be extremely damaging to the nursery as a whole. The owners and staff of the nursery go through a traumatic period when the allegations are being investigated by the Police, Local Authority’s Children’s Services and Ofsted. In the long term the nursery can suffer from adverse publicity with a resulting loss of reputation and business.