Don't leave everything to chance; keep yourself protected with an insurance
Whether you operate your daycare business out of your home or a location far from it, you'll want to think long and hard about getting daycare insurance. In many cases, coverage is required.
Do not expect your home policy to cover you for bodily injury or property damage from your home business.
We live in a quick-to-sue society. As a result, many instances may arise where your daycare business may face a liability lawsuit. Even if the charges are dropped, the following legal defense fees can be expensive.
These are some of the coverages you must consider, do talk to us to know more:
| Type of Insurance | What it Covers |
|---|---|
| General Liability Insurance | Third-party claims for bodily injury, property damage, and reputational harm |
| Property Insurance | Business assets such as building, equipment, and supplies |
| Professional Liability Insurance | Claims arising from your mistakes, omissions, or negligence while performing your work |
| Abuse and Molestation Coverage | Losses arising from an employee abusing a child under your care |
| Commercial Auto Insurance | Injuries, damages, and lawsuits arising from accidents involving vehicles your business uses |
| Commercial Auto Insurance | Injuries, damages, and lawsuits arising from accidents involving vehicles your business uses |
| Accident Insurance | Claims that exceed limits on underlying liability policies |
| Umbrella Insurance | Provides benefits to injured children and their families for covered accidents |
Daycare insurance is a specialized and confusing niche. Thankfully, you don’t have to go it alone. We will walk you through a hand-picked selection of options. Contact us today to learn more.
