The Ideal Insurance for Nursery & Preschool: Addressing Gaps in the Industry

Insurance is supposed to be a safety net—a shield against the unpredictable. A promise that when things go wrong, there’s a plan to make it right. Yet, for many industries, finding the right protection is easier said than done. General insurance companies tend to focus on mass-market policies which cover vehicles, homes, and businesses with standard plans. But, what about the smaller, more specialised industries? What happens when traditional policies don’t account for the unique risks of certain professions—like early childhood educators, who are entrusted with society’s most vulnerable individuals?

For a long time, preschools and childcare centres have struggled to find comprehensive coverage customised to their needs. We must know that accidents happen—children get injured, and for that, teachers get sued and other unforeseen incidents can disrupt an entire institution. Yet, many insurance providers overlooked this industry, offering only generic policies that failed to address the specific risks these educators face.

This is where Kindershield comes in—a beacon of hope and security for educators, institutions and children that have long been overlooked.

A Vision Built on Care: The Birth of Kindershield

Surely, such a comprehensive policy that brings a sense of hope and security to preschools must have derived from a virtuous mind. It means there is someone who truly understood these challenges and took the decisive step to provide real solutions…

In the ideals of Winnie Tan, the founder of My ELink (M) PLT, insurance was never just about policies and paperwork—it was about people.

Her journey into the insurance industry began with a simple question from her father: “Why not try the insurance business?”

Winnie Tan, founder of Kindershield and My ELink (M) PLT

At first, the road was tough. Convincing clients, building trust, and proving her expertise took years of persistence. But through every challenge, Winnie remained guided by a simple belief: Good service, honesty, and genuine care will always make a difference.

This belief didn’t just shape her career—it shaped her mission. As she worked closely with businesses, she noticed a troubling gap in the market: preschools and early educators were struggling without proper insurance coverage.

She saw the risks firsthand—children getting injured, teachers facing workplace accidents, and preschools dealing with unexpected disruptions. Yet, there were no comprehensive policies designed just for them.

Rather than accept things as they were, she chose to create change.

More Than Just a Policy: A Lifeline for Educators

Kindershield isn’t just another insurance plan—it’s a product of research, collaboration, and a deep understanding of the industry’s needs. Developed in partnership with the Malaysian Educators Association, Kindershield was designed to address the real risks faced by early childhood education providers.

From accidental injuries and medical expenses to business interruptions and legal protection, Kindershield provides coverage that goes beyond the standard offerings of general insurance companies. It ensures that educators, children, and institutions are fully protected, allowing them to focus on what truly matters—nurturing the next generation.

Here’s an overview of the coverage provided by them:

• Kindershield PA – Protects students and teachers from accidents, including medical expenses from incidents like food poisoning, insect bites and injuries.
• Kindershield Takaful PA – A Shariah-compliant version of the protection plan, ensuring broader accessibility.
• Kindershield BIZ – Safeguards business owners from financial risks, covering theft, property damage, closure by Ministry of Health in the case of infectious diseases.
• Kindershield PGTO (ProfessionGuard) – Provides legal support if educators or institutions face negligence claims.

For the first time, educators no longer have to navigate uncertainty alone. They have a safety net by the name of Kindershield.

A Legacy of Trust and Excellence

Success isn’t measured by numbers alone—it’s measured by the lives we impact.

Through My ELink (M) PLT, Winnie Tan and her team have transformed the insurance industry, earning trust not only from small businesses but also from listed companies, embassies, and high-profile clients.

Over the years, My ELink has received top industry awards from insurers like AIG, Allianz, Berjaya Sompo, Tokio Marine, and AXA/Generali. From Bronze and Gold to Platinum and Diamond recognitions, these honours reflect a company built on integrity, dedication, and an unwavering commitment to its clients.

Yet, beyond all the accolades, Winnie’s true pride lies in knowing that educators now have the security they need to focus on what matters most—shaping the future generation.

Looking Ahead: A Commitment to Protection and Innovation

What started as an idea has become a lifeline for thousands of educators across Malaysia.

But this is just the beginning.

With Kindershield, preschools and kindergartens no longer have to worry about “what if”. Instead, they can look ahead with confidence, knowing they are protected. Kindershield stands as a testament to this commitment, offering early childhood educators the security they need to focus on their primary responsibility—nurturing the next generation. So parents and preschools, don’t wait, use Kindershield to protect your children and business today!

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