Specialized Insurance for Daycare Operators
Regardless of the size of daycare you operate, you need the right insurance coverage. We are here to provide you with the tailored insurance package to fit your needs.
What is Daycare Insurance, and why do you need it?
Daycare Insurance is an insurance policy specially designed for business owners operating a caregiving service to protect them against specific risks they may encounter on the job, such as third-party injuries and property damage.
If you’re a caregiver who accepts money in exchange for your service, you need insurance; if you don’t, you’re at risk of paying out of pocket for any damages you may cause.
Let us find the best coverage for you.
You work hard for your business, let us work hard to protect it.
What Does It Cover?
Daycare Insurance protects your company against specific risks associated within the industry you operate, such as third-party damage and theft.
A comprehensive insurance policy will typically include the following:
- Commercial General Liability (CGL)
- Completed Operations Liability
- Third Party Injury
- Property Insurance
Who Needs Daycare Insurance?
If you operate a caregiving business, there are specific risks related to the industry you operate, such as third-party injuries, property damage, or theft
Daycare insurance will provide the coverage and protection should you or one of your employees be named in a lawsuit.
Some of the daycares we would insure include:
- Registered Daycares
- Day Homes
- Preschool Programs
- After School Care
What Does It Cost?
The cost of Daycare Insurance is not significant and varies depending on a number of factors.
The following factors are typically taken into consideration when determining your premium:
- Industry and Services Offered
- Years of Experience
- Number of Employees
- Annual and Projected Revenue
We have access to many different insurance providers and can therefore offer you different options to ensure the best coverage at the best price.
Request a Daycare Insurance Quote
Common claims scenarios
Situation:
As a caretaker, you are responsible for the safety and well-being of the children while in your care. Unfortunately, children are often too young to understand what they can and not eat. So it is up to you, the caretaker, to supervisor them, especially when allergies are at play.
Outcome:
Commercial General Liability Insurance covers you if a child or employee is injured at your premises.
Situation:
As a business owner, you welcome clients onto your property. However, if someone slips and falls on ice in your driveway, you will be held liable for the individual experiences’ injuries.
Outcome:
Commercial General Liability Insurance covers you when customers or employees are injured at your premises.
Situation:
Daycares are full of energetic children, and sometimes accidents happen and property or equipment gets damaged.
Outcome:
Commercial Property Insurance covers your business property and buildings if they are damaged or destroyed by fire or other specified risks.
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