We have been working with Dot to Dot for over a decade and they are much more than just an insurance company in the traditional sense. They are proactive in sharing areas we need to consider to minimise risk (for ourselves and of course our children) We have only had to call on them once for a flood and they were supportive and quick and we were able to open the following Monday with no disruption to parents. I cant recommend them enough. It is a vital part of your business to have the right insurance, don't just look for the cheapest - look at what they actually do for you. Its a decision in this day and age that you cant afford to get wrong.