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 ensuing legal defense fees can be quite 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 the 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
Workers’ Compensation Insurance	Medical bills and wage replacement for employees who suffer work-related injuries
Accident Insurance	Provides benefits to injured children and their families for covered accidents
Umbrella Insurance	Claims that exceed limits on underlying liability policies

Every childcare business needs at least some business insurance, whether it’s an in-home daycare or a commercial daycare center. Even if you don’t own the building or have valuable business assets to cover, your work with children creates potential liabilities. It’s crucial to protect your business if claims arise. Day Care 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 know more.