Get coverage to protect what matters most from the start with child care center insurance.
Insurance that helps cover the risks of child care.
Every business requires insurance to protect its premises, property, and various equipment. However, child care centers have unique insurance requirements that are directly associated with the services they offer and the young clientele they cater to. Regardless of whether your child care operation is based in your residence or a commercial facility, it is essential to obtain coverage tailored to the specific needs of your enterprise.
What is covered by a child care center policy?
Insurance for child care centers offers protection for both business property and liability, with various coverage options tailored to address specific risks. For instance, young children are at a higher risk of falling or sustaining injuries compared to adults or older children. Consequently, securing coverage for student injuries, along with liability protection for staff in the event of a negligence claim, can safeguard against potential financial repercussions. Additional coverage options to contemplate for your child care center insurance policy may include:
- Abuse and Molestation Liability
- Business Auto
- Commercial Property
- Employment Practice Liability
- Hired and Non-Owned Auto Liability
- Professional Liability
- Student Accident Liability
- Workers’ Compensation
Coverage that’s unique to the child care industry.
Child care facilities are required to obtain insurance to protect against any damage to the premises or its assets, which encompasses outdoor play equipment and toys. Additionally, centers that offer transportation services for children must secure appropriate business auto insurance for either a vehicle owned by the center or for staff members' personal vehicles. It is also crucial to have abuse and molestation liability coverage when caring for young children.
The business side of child care centers.
A child care center serves not only as an educational environment or a daycare facility but also as a business entity. Consequently, alongside the insurance tailored specifically for child care centers and daycares, it is prudent to explore additional business insurance options. These may include workers’ compensation, employment practices liability, employee dishonesty coverage, and cyber liability insurance. If you are seeking insurance solutions for your child care center to protect your business while you focus on educating and caring for the children, please reach out to us to discuss your insurance requirements.