Commercial Child Care Facilities

The daycare industry these days continues to grow since more and more families become two-income households. This industry needs to be protected whether it’s a modest type of in-home daycare or a mega-care center with many rooms or even includes a fine motor skills gymnasium. This also needs protection since it involves very young kids and also your livelihood as well.

What Is Daycare Insurance?

Daycare insurance is a certain type of business insurance that is made to meet the special needs of childcare businesses. This kind of insurance offers business owners much-needed daycare liability insurance coverage so as business property coverage.

A lot of insurance policies have several sets of coverage options that allow you, the business owners, to build a daycare insurance policy that caters particularly to the daycare’s special needs.

Our Commercial Child Care Insurance Program is designed to meet the needs of the following operations:

• Commercial Child Care Centers
• Nursery Schools
• Montessori Schools (serving children 7 years old or younger)
• After School Care

We are pleased to offer coverage to several types of incidental operations. We can write the following only if they represent less than 25% of a commercial child care operation:

• After School Programs
• Day Camps (in conjunction with a child care center)
• Tutoring (if conjunction with a child care center)

Who Needs Daycare Insurance?

Getting daycare insurance is a must whether you run your daycare business out of your home or a location far from it. Coverage is actually required.
Childcare centers and nursery schools are required to have daycare liability insurance so these could be licensed by the Department of Health and Human Services (DHHS) and since most states also require licensure in order for daycare businesses to legally operate and work.

Your insurance company may also ask you to submit stronger requirements that will affect your daycare insurance costs. This is in order to limit your exposure to liability lawsuits. The DHSS does not really require liability insurance to license home-based daycare businesses. However, your insurance company may require you to carry a business insurance policy to purchase specific endorsements in order to protect your daycare business.

Daycare Business Insurance Offers Liability Protection

Let’s face it. People are quick to sue so availing protection for your business is a must. There are many instances that your daycare business may face a liability lawsuit. Legal defense fees can be expensive even though charges may be dropped.

Liability insurance will provide you coverage for any court expenses and other legal fees with any covered occurrence.

• General liability – this coverage is needed for any kind of business that welcomes the public onto its property. This will cover property damage or injuries suffered by other people while they are on your property. This is very important when dealing with very young children since they get easily injured. Some injuries may be minor in most cases. However, your daycare business may be held liable for medical expenses if a child suffered severe injury.
• Professional liability – this coverage will take care of your teachers and childcare workers. Your business can be sued when there’s an instance a member of your staff has shown negligence towards the needs of children in your care. Lawsuits can be brought by mental, physical, or emotional abuse of children.
• Commercial Auto Liability – this insurance is needed if your daycare business has and owns vehicles that are used to take people to schools and back.
• Non-owned or for-hire auto liability – this insurance coverage protects privately owned vehicles when they are used for company businesses such as for field trips or other outings.
• Corporal punishment liability – this insurance option provides you financial protection if you face a claim when one of your employees strikes a child or is accused of committing corporal punishment to any of the children enrolled in your daycare.
• Abuse and molestation liability – this insurance coverage will protect your daycare business from severe financial losses if one of your employees sexually abuses one of the children in your daycare.
• Umbrella liability protection – this coverage will provide you liability protection beyond the limits of your insurance policy’s liability limits. Specifically, larger daycare facilities may have more advantages through this added coverage.

Why We’re Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you. There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive. Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.