Question: Are childcare providers covered by their insurance during COVID-19 disruption?

Answer passage (source: UK):
page_title: Guidance Actions for early years and childcare providers during the coronavirus outbreak
section_headers: Funding
Are settings covered by their insurance during this period of disruption?
section_content: Business interruption insurance
For childcare providers which have a policy that covers government-ordered
closure and unspecified notifiable diseases, the government’s social
distancing instructions are sufficient to allow businesses to make a claim
against their insurance, provided the other terms and conditions in their
policy are met.
Public liability insurance
For childcare providers with public liability insurance, the Association of
British Insurers’ members continue to offer cover to settings, whether open or
closed, with no change to terms and conditions to existing policies.
Providers should check their terms and conditions with their insurance
company.

Reviewer feedback on this answer:
This is a direct answer to the question. This answer provides information on whether or not childcare providers are covered by their insurance during the pandemic.
This talks about when government care employees are covered by insurance during COVID-19

Reviewer ratings:
Excellent
Excellent

Answer passage (source: UK):
page_title: Guidance Coronavirus (COVID-19): financial support for education, early years and children’s social care
section_headers: Sector-specific guidance
Children’s social care providers
section_content: Ensuring that vulnerable children remain protected is a top priority for
government. Our aim is to ensure that children’s social care providers are
able to continue to provide care to vulnerable children and to operate
effectively during the coronavirus (COVID-19) outbreak.
We are asking providers to remain open and to continue to deliver care and
support to their vulnerable children and young people. We would anticipate
local authorities continuing to fund any contracted or commissioned providers,
but where appropriate, providers may wish to consider accessing support
measures for which they may be eligible to help them remain operational during
this period, such as the business interruption loan schemes. Please refer to
the respective guidance page as linked above for more information.
As placements will continue to be needed, local authorities will continue to
pay fees to children’s social care providers. As these payments for essential
services will continue, we would expect providers not to furlough staff, and
for provision to remain available to support vulnerable children. The
government has also announced £1.6 billion of extra funding for local
authorities to help address pressures arising from coronavirus (COVID-19),
including in children’s social care.
In the rare circumstances that providers feel they have no choice but to
furlough staff, they should only seek support through the Coronavirus Job
Retention Scheme if they meet the following conditions:

the employee works in an area of business where services are temporarily not required and whose salary is not covered by public funding
the employee would otherwise be made redundant or laid off
the employee is not involved in delivering provision that has already been funded
the employee is not required to deliver provision for a vulnerable child
the grant from the Coronavirus Job Retention Scheme would not duplicate other public grants received and would not lead to financial reserves being created.

Residential provision
State-funded residential children’s social care provision is offered in state-
maintained schools, non-maintained special schools and independent schools.
While the educational costs are funded from the DSG, the residential costs are
met from social care budgets. Local authorities will continue to receive
funding for social care provision and should continue to pay residential costs
so that the employment and payment of staff supporting children and young
people who require residential provision can continue.
Some independent schools have joint registration as a children’s home, and are
effectively funded by local authorities that place the children in those
settings. This funding should continue.
*[DSG]: dedicated schools grant

Reviewer feedback on this answer:
This does not answer the question. The question is asking for information on whether or not childcare providers are covered by their insurance during the Covid-19 and this answer provides information on the funding and financial supports for childcare providers during pandemic.
This talks about children being vulnerable in COVID but it doesn't address the question specifically about  insurance during COVID-19.

Reviewer ratings:
Bad
Bad

Answer passage (source: UK):
page_title: Guidance Guidance for current students
section_headers: I am still being charged for childcare although my children cannot attend. Will my Childcare Grant still cover this?
section_content: Yes. If you are still being charged by your childcare provider, and you’re
still a student, your Childcare Grant will still be paid. The amount payable
will remain capped at 85% of the cost charged, or the maximum applicable rate
of Childcare Grant, whichever is lower.
If you use the Childcare Grant Payment Service, you will need to continue to
review the invoices and approve your Childcare Grant payments online.

Reviewer feedback on this answer:
It doesn't talk about insurance just about getting paid during covid
This answer is irrelevant to the question. This answer provides information on childcare grant payments and the question is asking for information on whether or not childcare providers are covered by their insurance during Covid-19.

Reviewer ratings:
Bad
Bad