Help, can't get house (buildings/contents) insurance for childminding

[kitsmummy]

Oh my god, never thought this would be an issue. We're about to move (early November) into our new house where I will be childminding from. Have just been turned down by Morton Michel because the house is too near water (there is a stream in front of the house) and none of their providers will touch us. Towergate have turned us down because we've had a claim over £1000 in the last 5 years (we were broken into last month in this house that we're in the process of selling, completing Tuesday). I'm waiting for a call from Bluefin, but I'm not hopeful. It appears that regular insurance providers won't touch you if you're childminding. Does anyone know a company that might cover me?

This is a major major problem for us at this moment!

Do you have a local insurance broker near you, you may get someone to underwrite a policy for you. They have access to loads of companys and could offer you advice with knowledge of the house you are moving into, they could do a visit.
Has your new house been flooded in the past ten years as loads of houses near us can't get insurance for flooding.
You can check on the environmental website for the risk to your house but it should have come up in the search.
Will the company cover your house if you aren't childminding or is it just because you are a childminder, I would have thought that the premiums would just be higher if they thought it was high risk.

It hasn't flooded in the last 10 years, and i've got the environmental reports on it. I genuinely don't think it will flood but we are officially in a high risk area. We could get cover if not childminding, and for a pretty reasonable price, but when you're childminding you can't get insurance with all the regular insurance companies, you have to go specialist, and they're the ones who are saying No.

I will check out a local broker though, thanks

Get normal insurance with a regular reputable provider and THEN add the business part...you will get buildings and contents but NOT accidental damage.
They may charge you a small premium to add business insurance and often add conditions such as no more than 8 children on propery etc.
Never caused us any problems and always works out so much cheaper than using morton michel etc

I am with aa home insurance have been for five years they cover me as childminder but my premium is ever so slightly higher there is just one clause added onto my standard policy about childminding

Try NFU they are pretty good.

Direct Line

sorry, only just came back to this thread. Thanks for all your suggestions, I will try them. I'm amazed actually, as I was drawing a total blank with regular insurance providers. Will give this a go now, and thanks